Avant, LLC

Dear Jeffrey [redacted] ,We are in receipt of your complaint with the Revdex.com (Complaint ID # 11017341)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 January 5, 2015, you applied for a loan via www.Avant.comOn this same date you were approved for a loan in the amount of $13,and you signed your loan agreementPlease note that the terms of your installment loan were clearly and fully disclosed on the company website, during the loan request process, and in your loan agreement prior to signingFurthermore, Avant is confident that we comply with all applicable state and federal rules, laws, and regulationsOnce issued, the terms of a loan are fixed until the loan is repaid in full.On June 16, 2015, you contacted Avant via e-mail and provided military orders showing that you were on active duty on Active Guard or Reserve status, starting May 5, and ending May 4, As your loan was funded after the start of your active duty status, the loan is not subject to regulation under the Servicemembers Civil Relief Act (“SCRA”)Later on June 16, 2015, Avant responded via e-mail advising you that you are not eligible for a reduced Annual Percentage Rate (“APR”)On October 1, 2015, you contacted Avant telephonically to again request SCRA relief on your loanYou advised Avant that you received new ordersDuring this call, Avant requested that you submit either a copy of the enlistment or military orders calling you to active duty service, a properly completed Department of Defense Short Form, or an official letter on letterhead from your commanding officer in order to reevaluate your eligibilityOn October 5, 2015, Avant contacted you via e-mail regarding your request, inviting you to submit documents regarding your active duty statusOn that same day, you provided Permanent Change of Station orders to Avant via e-mailOn October 15, 2015, after thoroughly reviewing the documents provided, DMDC reports, as well as your account, Avant again determined that it was unable to lower the APR of your loan, and provided you with notice via e-mailHere at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you are having difficulty making payments, please contact us at 1-800-712-and one of our payment specialists would be happy to discuss various repayment optionsIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Dear [redacted] ***, We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] )We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriouslyAs you are aware, a paper check payment in the amount of $17,was received by Avant on November 23, to pay off your WebBank loan issued through the Avant PlatformWebBank is the credit issuer for the Avant Platform, a closed-end installment loan program, where Avant acts as the administrator and servicer of the programPlease be advised that there was a delay in applying this payment to your account due to an issue with our paper check processing serviceWe 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, installment payment was debited automatically from the bank account on file, per the ACH authorization you provided in your loan agreementOn 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 revokedAs 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, Please be advised that your account balance effective November 23, was $16,Accordingly, a refund in the amount of $has been approved for overpayment of your loan balanceDue to the fact that your bank account has been marked as invalid following the returned November 30, payment, this refund was issued via paper check and mailed to the address associated with your account on December 23, 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 [redacted] ,We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] )We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.As you know, Avant contacted you via telephone on April 7th, and advised that your loan was improperly declined due to an isolated process issue impacting verification of your stated incomeThis issue has since been resolved and you indicated that you were satisfied with the result We apologize for any inconvenience.We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Complaint: [redacted] I am rejecting this response because:I see that you addressed the ACH payments, but you steered clear of addressing the confusing, misleading payment schedule on your website, as well as the 'additional payment' featureI have mentioned this to your Customer Support, and they admit that it is confusing, but 'that's currently the way that it is set up'It makes no sense to have an 'additional payment' option, and not have a 'current payment' option, simply because you want everyone to be on ACHI see you addressed MY January 8th email and your one responseWhat about the subsequent emails that were not answered at all? I can provide dated copies if you so chooseThey 'short-term payment plan' DID NOT break down paymentsI can provide documentation if necessaryI had to make a phone call to Avant concerning this after no email response to fix this issue, as your helpful 'payment plan' had scheduled a full payment on January 19, as well as January I did not AGREE to these dates; the actual dates were not presented until AFTER the survey you require 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 experienceAt 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 paymentsAccordingly, Avant advised you that you must submit your request in writingAt this time, Avant also informed you how to make payments online via your customer dashboardLater 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 agreedAccordingly, your account fell into “late” statusPlease 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 paymentPlease be advised, each of these attempts to contact you were unansweredAdditionally, 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 matterAccording to our records, on September 22, 2016, you changed your upcoming installment payment due on September 26, from the amount of $to the amount of $via your customer dashboardHowever, you did not provide Avant authorization to debit this paymentAccordingly, Avant was unable to debit this payment automatically, as you had previously revoked your ACH authorizationUpon receipt of your dispute with the Revdex.com, Avant performed an in-depth review of your accountFollowing this review, Avant has determined that all information reported on behalf of your account is accuratePer your signed agreement, Avant may report information about your account, including late and missed payments, to the credit reporting agenciesAdditionally, 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 matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Dear [redacted] ***, We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] )We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.According to our records, an inquiry for credit was submitted with [redacted] ***’s information on April 28, 2016, via a marketing affiliateThis loan request was approved and was funded on or about May 3, 2016.On August 12, 2016, [redacted] contacted Avant via telephone in order to advise Avant of a potentially fraudulent account that was appearing on his credit reportDue to an isolated process issue, the specialist was unable to locate the account associated with the information provided by Mr***We apologize for any inconvenienceDuring this call, Mr [redacted] allowed the specialist to speak with you regarding the identity theft claim but, as no account had been found, you were not added as an authorized user to the account at that timeOn August 15, 2016, you contacted Avant and provided Mr***’s information, and the account associated with his information was able to be locatedDuring this call, you stated that you required several pieces of information to help you determine who might have fraudulently opened an account in his nameYou were informed that the information you requested regarding the account could not be disclosed to you at that time.Later that day, Mr [redacted] contacted Avant telephonically and claimed that the account associated with his information was fraudulentDuring this call, Mr [redacted] added you as an authorized user to the account so that account details could be disclosed to youThat same day, the account was escalated to the Avant Fraud Department to proceed with the identity theft claim.On August 16, 2016, the Avant Fraud department contacted Mr [redacted] via email and provided him with an Identity Theft Victim’s AffidavitIn this communication, Avant advised Mr [redacted] to complete and return the affidavit and to submit a Law Enforcement Report or an ICReferral Form in order to facilitate the investigation into the identity theft claim.As you are aware, during a phone call on August 22, 2016, you were provided with information relating to the account which you had initially requested prior to your addition as an authorized userFollowing the specialist’s response to your inquiries, you indicated you did not require any additional information regarding the account.On August 25, 2016, you provided the Avant Fraud Department with Mr***’s completed Identity Theft Victim’s Affidavit as well as a Law Enforcement ReportThat same day, Avant contacted you via email and informed you that Avant was unable to accept the Law Enforcement Report as Avant was not specifically named in the reportOn August 26, 2016, you provided the Avant Fraud Department with a Law Enforcement Report which specifically referenced AvantAccordingly, an investigation will be conducted to validate the claimIf the investigation concludes that the application was fraudulently submitted, Avant will begin the process of notifying the appropriate credit bureaus to remove the credit inquiry and associated credit history from Mr***’s credit report.We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] We appreciate the opportunity to serve youSincerely,Avant Compliance Department

Complaint: [redacted] I am rejecting this response because:Their answer is fu;; of crap I will not accept their explanation and I will never do business with them again..I want other people to be aware of this company's failing! 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 experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.As you know, on October 21, 2017, 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 [redacted] and Avant are confident that each fully complies with all applicable state and federal rules, laws, and regulations.In order to fulfill our commitment to responsible lending, all loan requests go through an online final review process after determining potential eligibilityThe rates associated with your eligibility are conditional and may change based on information obtained during the completion of your application and the verification processThis verification process may change the status of your loanPlease be advised that rates are determined on an individual basis and are based on a number of factors including your credit score, repayment history, debt to income ratio, etcPlease be advised that [redacted] and Avant adamantly deny the use of any or misleading advertising practicesOur goal is to provide you with a decision within hours of completing your application however, if approved, it may take between one to three business days for your financial institution to make the funds available to youAs you are aware, and as clearly disclosed on our website, our Originations team will contact you if additional documents are needed to complete the verification of your application which may extend the processAccording to our records, Avant initiated a call to the telephone number on file, left a voice message, and/or sent an email on October 22, 2017, October 23, 2017, October 24, 2017, and October 25, in attempt to request the additional information needed to complete the verification processNote that, Avant may require as a condition of funding that an applicant’s requested loan amount, if approved, be released to the bank account where a majority of the applicant’s income is receivedDuring your call to Avant, on October 25, 2017, you consented to updating the bank account on file after confirming that you receive direct deposit into the bank account ending in ***Accordingly, your bank account was updated and confirmation was sent to the email address on filePlease be advised that, we were unable to request additional information at this time as you indicated that you were no longer available to continue the call due to obligations at workOn October 28, 2017, you called Avant regarding the status of your applicationDuring this call, upon request for clarification, you advised that the account receiving the majority of your income was your bank account ending in Accordingly, your bank account was once again updated to correct the bank account on fileWe are sorry to hear that you found the verification process cumbersomeVerifying amount and stability of income is an important part of decisioning a loanWe're always trying to improve our processes, so we hope to make this experience easier over timeFurthermore, during your calls on October 28, and October 29, 2017, you requested to speak with a supervisor and each time you were advised that the supervisor was unavailableYou were further advised to expect a callback within the hourOur records indicate that you did not receive the aforementioned callWe certainly understand your frustration and have taken the necessary steps to ensure that situation does not occur in the futureWe sincerely apologize for any inconvenience you may have experiencedWe trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Dear [redacted] ,We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.As you know, on July 8th, you agreed to a payment plan agreement with Avant to reduce your monthly installment amount from $to $ As part of that agreement, you acknowledged that the payment plan would be automatically terminated if any payment was not satisfied within days of its original due date As previously communicated, your payment plan was correctly terminated on January 2nd, for failure to make your December 22nd, payment within the afforded day grace period Please note that, as a result of the proper termination of your payment plan, your account was accurately reported as late to the credit bureaus as of January 31, However, due to an isolated system issue which prevented you from signing up for a second payment plan arrangement during your phone call on January 13, 2017, we will be updating your credit reporting to reflect your loan as current for the month of January 2017.On February 14th, 2017, you were successfully enrolled in our Loan Modification Trial Plan Per the terms of this plan, you must make two trial payments in order to be locked in to your new payment scheduleCredit reporting on your account will be temporarily suspended pending the successful completion of the two trial paymentsIf these payments are completed successfully and within their grace periods, your account will be reported as current to the credit bureaus with the credit reporting file in which the second trial payment is completedConversely, if you fail to make either of your trial payments within their grace periods, the plan will be deactivated and your account will revert back to the terms of your original installment schedule; note that the credit reporting for your account will also reflect this reversion.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 [redacted] Department directly at [redacted] @Avant.comWe appreciate the opportunity to serve you.Sincerely,Avant [redacted] Department

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 possibleWe appreciate your patience and cooperation in the matter If you have any immediate questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you Sincerely, Avant Compliance Department

Dear [redacted] We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.As you are aware, on August 14, 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 programYou signed a loan agreement detailing the full rates and terms of the installment loan, and your loan request was approvedThe rates and terms of your installment loan were clearly and fully disclosed on the company website, during the application process, and in your loan agreementPer your loan agreement, daily interest will accrue on the principal balance of your loanPayments are applied first to outstanding charges, if any, then to accrued interest, and then to principalAs you were advised in the call on April 12, 2017, additional payments will allocate per the terms of your loan agreementAccordingly, payments will allocate to any fees and interest which have accrued since the date of your last payment before allocating to your principal balance.Please note, any accrued interest which is satisfied by an additional payment will no longer be owed in your upcoming installment payment, which means more of that payment can allocate to the principal balance of your loanReducing your principal balance through early or additional payments results in less daily interest accruing, which can decrease the total cost of your loanAvant accepts payments via credit card and, as a part of our efforts to lower the costs and barriers of borrowing, we will not pass the credit card service fee onto youAs part of this policy, payments via credit card from current customers are limited to the installment payment amount for each billing cyclePlease be advised that additional payments can also be made via ACH from the bank account on file, paper check, or money orderAll payments will be applied per the terms of your loan agreementWe 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

Initial Business Response / [redacted] (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 possibleWe appreciate your patience and cooperation in the matter If you have any immediate questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you Sincerely, Avant Compliance Department Initial Consumer Rebuttal / [redacted] (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 assistThe only activity that I have seen is high debits from my accountThank you Final Business Response / [redacted] (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 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 AvantCredit on January 14, On January 20, you were approved for a line of credit with a credit limit of $3,and signed your Account AgreementAs you know, a decision has been made to transition away from the AvantCredit line of credit productAccordingly, customers are no longer able to access new drawsThat said, please be advised that all other terms of your line of credit will remain the sameIt 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 AgreementThis chart is also included in your monthly billing statements Please note that your outstanding principal balance on July 31, was $2,676.77, while your credit limit was $3,This means that your outstanding principal balance as a percentage of your credit limit fell in the 80% - 89% rangeAccordingly, you were required to pay 4% of your principal balance as part of your minimum payment due August 17, Once this payment was made, your new outstanding principal balance as of August 31, was $2,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 balanceThis increase in the pay down percentage resulted in a higher minimum monthly payment due on September 17, 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 accurateHere at Avant we go to great lengths to ensure a transparent and customer focused experiencePlease do not hesitate to contact our Compliance Department directly at [email protected] with additional feedbackWe appreciate the opportunity to serve you Sincerely, Avant Compliance Department Final Consumer Response / [redacted] (4200, 11, 2015/10/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) There is no transparency at allI still do not agree with my payments increasing each month although my balance is somewhat decreasingAnd to add to that, It is illegal to change credit/loan agreement without notifying the consumer in writingWhen I inquired as to the change, they responded that I would receive the change to the agreementTo date, I have not received any communication, except to debit my accountI am angry that Avant feel as though that they can do this without any concernAll 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 experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.According to our records, on March 28, 2016, you submitted a loan request via the Avant PlatformPlease note that WebBank is the credit issuer for the Avant Platform, a closed-end installment loan program, where Avant operations as the administrator and servicerOn that same day, your loan request was approved and you signed a loan agreement outlining the terms of the loanOn October 11, 2016, we attempted to debit your regularly scheduled installment payment from the bank account on file via ACH, your chosen method of repaymentOn October 12, 2016, this payment returned due to insufficient fundsAs outlined in your loan agreement, “We will charge you a Dishonored Payment Fee of $each time any payment we initiate or you make in connection with this Note or the Debt is returned unpaid.” Accordingly, a fee in the amount of $was assessed to your account due to your returned paymentOn October 13, 2016, a payment in the amount of $was attempted from the bank account on filePer your loan agreement, Avant is authorized “to create and submit separate checks from Your Bank Account for any applicable amounts provided in this Note, including any Late Fee or Dishonored Payment Fee.” On October 14, 2016, a re-initiated installment payment was attempted from the bank account on fileIn our efforts to keep your account current and out of collections so as to ensure that you are not charged any additional late fees, and to help prevent you from being reported negatively to the credit bureaus, we may attempt up to two times to obtain any missed installment from your nominated bank accountThis is referred to as a 'Re-initiated Scheduled Payment' and, per your loan agreement, we received permission to take this action with your ACH authorizationOn this same day, you scheduled a payment via your Customer Dashboard in the amount of your missed installment payment, to be debited on October 17, 2016.On October 15, 2016, you contacted Avant via telephone and requested to cancel the payment scheduled for October 17, At this time, you were correctly advised that all payment modification requests must be made at least one business day before the scheduled payment date and, as a result, Avant was unable to cancel the paymentYou subsequently advised that you would attempt to contact your bank in order to place a stop payment on the transactionOn October 17, 2016, the payment scheduled via your Customer Dashboard was attempted as agreedThis payment subsequently returned due to insufficient funds on October 18, On October 25, 2016, the dishonored payment fee payment attempted on October 13, returned due to a stop payment placed on the transaction by your bankThis stop payment revoked Avant’s authorization to debit payments from the bank account on fileAs a result, no further payments have been attempted.Please note that your account is currently in a past due status due to your unpaid dishonored payment fee, your missed November installment payment, and the $late fee assessed to your account due to this missed paymentPer your loan agreement, you will be charged a late fee in the amount of $if a payment is not paid in full within days of the due dateAs a result of these delinquent items, your account has a past due balance in the amount of $317.21, as outlined in the emails sent to you notifying you of your late statusAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you are experiencing difficulty making payments, we recommend contacting our Payments Department for more information regarding various repayment options which may be available to youIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Complaint: I am rejecting this response because:As stated: I was contacted on the phone, and provided the information, a delay of days was introduced All of the sudden my application was declined for delay, but I was told all the information was provided, when they asked me for employment information, I sent the proof of payment and get receipts that they had them the website did not allowed me to attach a document and follow the process to send emailsThere were too many fundamental mistakes, and flaws, in the process, because it is not true that I did not furnish informaion on time In addition which is worth another complain, their waiting times on the line are ridiculously long The chat feature never works because, nobody is available to do chat Support is impossible, for a working person Sincerely, Newton [redacted]

Complaint: [redacted] I am rejecting this response because:I DO NOT owe $plus $( for a total $465.98) on March 22, All I OWE is ONE FINAL PAYMENT OF $due on March , 2016, which will be a total of payments as scheduled, per my contractYou are trying to get Payments from me, and your NOT EXPLAINING WHY OR WHERE THIS EXTRA $plus is coming fromWHEN ANYONE REQUESTS A PAY OFF AMOUNT, THE FULL AMOUNT IS ALWAYS SUPPOSED TO BE GIVEN, and that's the amount I have in WRITING, that will be presented in court in front of the Judge WHO WILL AGREE! Sincerely, [redacted]

Dear David [redacted] , We are in receipt of your complaint with the Revdex.com (Complaint ID # 10942391)We are sorry to hear that you are dissatisfied with your experience with AvantHere at Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.Please be advised that your account has been thoroughly reviewed, and it was determined that you were approved for a loan on November 4, with funds set to be issued on or around November 5, You subsequently contacted Avant on the morning of November 5, 2015, indicating that you wished to rescind the loan agreement and return the funds Avant immediately accommodated this request by assisting you in setting up a payment for the full loan amount, to be debited on November 6, You subsequently contacted Avant again that same day, indicating that you had now decided to keep the loan, and requesting that this debit be cancelledPer this request, Avant attempted to cancel the debit that would return the funds and allow you to keep the loan.Due to an isolated system issue, the aforementioned debit scheduled to return the funds back to Avant on November 6, was not cancelled and the payment was debited as initially scheduledWe apologize for any inconvenienceAs you know, Avant contacted you telephonically on November 16, regarding your Revdex.com complaint and informed you of this issue.As a courtesy, Avant has offered to reimburse any fees you have incurred through your bank as a result of this issueAs discussed on November 16, 2015, Avant received confirmation that the payment was unsuccessful on November 13, 2015, and advised you that your account is now in a “current” status.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 [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 experienceAs stated in our initial response to this complaint, per [redacted] commitment to responsible lending, all loan requests go through an online final review process after determining potential eligibilityThe website clearly disclosed that final approval of your loan request was subject to verification of the information you provided in your applicationBased on the information we were able to verify, it was determined that you did not qualify for a product at that timeYour loan request was declined and notice of the decline was provided via email on July 19, We have reviewed your account and confirmed that your loan request was correctly declined in accordance with our established credit policyWe are confident that we comply with all applicable state and federal rules, laws, and regulations.We trust this explanation resolves this matterIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] @Avant.comWe appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Initial Business Response / [redacted] (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 AvantHere 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, we reached out to you directly to resolve the issue and you indicated you were satisfied with our responseWe 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 experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] @Avant.comWe appreciate the opportunity to serve you Sincerely, Avant Compliance Department

Dear Percy ***,Please be advised, as stated in our initial response to your Revdex.com complaint, Avant does not require that you connect your bank account to our online income verification tool Furthermore, Avant provided alternative measures to verify your income during the application process and telephonically during the verification processIn processing your loan request, Avant was unable to verify income from a pay stub aloneSubsequently, Avant informed you that the bank account on file needed to be updated to the account where you receive your incomePlease be advised, this is for verification purposes onlyIf approved, you are permitted to update your bank account to a different personal account.Additionally, we are confident that all marketing practices are fair and equitablePlease note that if sufficient documentation is provided during the loan request process, a decision can be made as early as that same dayFunds are deposited into the bank account on file between 1-business days after final approvalAvant provided this information to you telephonically and it is also stated on our website.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

Complaint: I am rejecting this response because: Response does not address the issue of customers being mislead into believing they are approved for a loan when in fact they are not The response also states Avant then called me to say I was eligible for a loan, only after I filed this complaint, however that was not made clear I feel a letter or an email should have been sent to clarify your intentions as my first experiences with Avant were via telephone and were confusing Sincerely, Mary [redacted]