Avant, LLC

Dear [redacted]
Thank you for providing these comments. We are sorry to hear you remain dissatisfied. As you know, on December 8, 2015, you settled your account with Avant for less than the full balance, and a confirmation email was sent to the email address on file that same day. This communication clearly states “the fact that the loan has been settled will be reported to credit bureaus and your credit rating may be affected as a result.” Accordingly, your account was accurately reported as settled to the credit reporting agencies as of December 8, 2015. Additionally, this email communication contained information that the Internal Revenue Service considers a forgiveness of indebtedness in an amount greater than $600 to be taxable income. Therefore, according to IRS rules, a form 1099-C was provided to you by Avant following the successful settlement of your account.As previously stated, on October 1, 2016, Avant received documentation from you claiming that Avant continued to request payments following settlement of your account, and that Avant had previously agreed to remove the tradeline from your credit report. Please note that Avant has been unable to substantiate either of these claims. The documentation received by Avant also stated that multiple accounts reported to the credit reporting agencies were fraudulent, and contained a police report in connection with this claim. Again, no mention of Avant was made on the police report. Upon receipt of this documentation, Avant sent a request to the address associated with your account advising that, if you believe your Avant account was opened fraudulently, Avant would investigate the matter upon receipt of a police report specifically mentioning Avant, as well as a copy of a government-issued photo ID. To date, the requested documentation has not been received.As previously stated, per the Fair Credit Reporting Act (FCRA), Avant is unable to remove any information from your credit report which is found to be accurate and complete. We have found that the information reported to [redacted] on behalf of your account is accurate and, as a result, are unable to make any modifications to your credit report. We apologize for any inconvenience. 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. At Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback...

seriously.Please be advised that, after receiving your request, Avant made multiple attempts to contact you via phone in an effort to evaluate your eligibility for the various types of payment plans we offer, however we were unable to reach you.  If you still wish to be set up on a payment plan, we invite you to call our Payments Department at [redacted] at your earliest convenience, and one of our friendly, understanding specialists would be happy to assist you.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 James [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 know, on January 3, 2018, you initiated a loan request 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. Please be advised that 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. All applications for [redacted] products are considered in accordance with [redacted]’s established credit policy.In order to fulfill [redacted]’s commitment to responsible lending, all loan requests go through an online final review process prior to approval. The rates associated with your eligibility are conditional and may change based on information obtained during the completion of your application and the verification process. We are sorry to hear that you found the verification process to be cumbersome. Based on the information we were able to verify, it was determined that you did not qualify for a product at that time. Your loan request was declined and notice of the decline was provided via email on January 5, 2018. We have reviewed your account and confirmed that your application was correctly declined per the established credit policy. Please be assured that we are indeed a legitimate business and are confident that we comply with all applicable state and federal rules, laws, and regulations. We are accredited with the Revdex.com and obtain all applicable licensing to conduct business. You can find additional information about Avant on our website at www.Avant.com.Please be advised that all information we gather is 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. Additionally, we have received your request for an explanation as to why we were unable to approve you and a list of denial reasons will be sent to the e-mail address on file within 30 days of the request.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.As you know, on March 22nd, 2017, you called Avant stating your email address had been listed on another individual’s application without your permission.  In order to protect the privacy of our customers, Avant is only able to divulge account information to the customer on file or an authorized user.  Accordingly, at that time, we were unable to change the customer’s email address without the customer’s expressed permission.  We apologize for any inconvenience this may have caused but we take our commitment to preventing identity theft and fraud very seriously.Please note that we have since received the customer’s authorization to update the email address for the account in question and have made the corresponding changes.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 Katelyn [redacted],We are in receipt of your complaint with the Revdex.com (Complaint ID # 11142065). 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, on March 7, 2016 Avant contacted you via telephone in an effort to resolve this matter. During the call, you were advised that, due to an isolated system issue, your minimum monthly payment for the month of September was $162.67, when in fact it should have been $271.79. As a courtesy, Avant credited the difference between these amounts to your account. All following monthly statements were found to be accurate. You indicated you were satisfied with this explanation. Additionally, as a courtesy, any late fees assessed to your account since November 2015 have been waived. As a result, your minimum monthly payment due on March 17, 2016 is $320.86.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.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 eligibility. The rates associated with your eligibility are conditional and may change based on information obtained during the completion of your application and the verification process. This verification process may change the status of your loan. Please 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, etc. Please be advised that [redacted] and Avant adamantly deny the use of any false or misleading advertising practices. Our goal is to provide you with a decision within 24 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 you. As 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 process. According 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, 2017 in attempt to request the additional information needed to complete the verification process. Note 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 received. During 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 [redacted]. Accordingly, your bank account was updated and confirmation was sent to the email address on file. Please 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 work. On October 28, 2017, you called Avant regarding the status of your application. During this call, upon request for clarification, you advised that the account receiving the majority of your income was your bank account ending in 0716. Accordingly, your bank account was once again updated to correct the bank account on file. We are sorry to hear that you found the verification process cumbersome. Verifying amount and stability of income is an important part of decisioning a loan. We're always trying to improve our processes, so we hope to make this experience easier over time. Furthermore, during your calls on October 28, 2017 and October 29, 2017, you requested to speak with a supervisor and each time you were advised that the supervisor was unavailable. You were further advised to expect a callback within the hour. Our records indicate that you did not receive the aforementioned call. We certainly understand your frustration and have taken the necessary steps to ensure that situation does not occur in the future. We sincerely apologize for any inconvenience you may have experienced. 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 Shiela [redacted], We are in receipt of your complaint with the Revdex.com (Complaint ID # 11127079). 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 are aware, on February 3, 2016 you initiated a loan request at www.Avant.com. Your loan request was approved on February 5, 2016 and a copy of the executed loan agreement was sent to the email address on file. Due to an isolated system issue, your loan funding was delayed. Accordingly, on February 8, 2016 you were informed that Avant required you to sign an updated loan agreement. Later that day, you signed an updated loan agreement and funds were issued to your account on or about February 10, 2016.We apologize for any inconvenience this delay may have caused. As you are aware, on February 15, 2016, Avant emailed a request for documentation detailing any bank fees that occurred as a result of this delay and, as a courtesy, offered to refund all applicable fees. Additionally, Avant has attempted to contact you telephonically in an effort to resolve this matter, but was unable to reach you.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

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, you
submitted an inquiry for credit via [redacted] on June 2, 2015. That same day,
you were subsequently pre-approved for a loan from [redacted], an FDIC-insured
state-chartered bank located in Utah. Please be advised that [redacted] is
the credit issuer for the Avant Program, which is a closed-end installment loan
program where Avant operates as the administrator and servicer. Federal law
gives [redacted] the power to make loans to residents of other states (including
the state of Massachusetts) at the rates permitted by the laws of its home
state. [redacted] and Avant are confident that each complies with all applicable
state and federal laws, rules, and regulations.On June 2, 2015, you executed a
loan agreement for a loan in the amount of $14,800.00 at 28.00% Annual
Percentage Rate (“APR”) over a period of 48 months. Funds were deposited into
the bank account on file on or about June 3, 2015.All loan requests are considered
in accordance with [redacted]’s established credit policy, and the terms of the
loan were clearly and fully disclosed on the Avant website, during the loan
request process, and in the customer’s loan agreement. Accordingly, we are
unable to decrease the APR of your loan. If you are having difficulty making
payments, we encourage you to contact Avant Customer Support at [redacted] to
discuss various 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
Compliance[redacted] We appreciate the opportunity to serve you.Sincerely,Avant Compliance
Department

Initial Business Response /* (1000, 5, 2015/09/10) */
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, 2015/09/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I would like a letter from avant signed by executive stating that the loan is PAID IN FULL and another letter stating that my bank account information has been deleted from their records.. I also would like a monetary amount of 500.00 for the harrasment from bill collectors and emails regarding delinquency of my loan that was pif in april 2015, not to mention the remote deduction from my account that caused late pmts on other responsibilities.the fact that the deduction was taken from my account 2 weeks after proof emailed that loan was paid in full and having to wait 5 days before refund was credited back.
Final Business Response /* (4000, 9, 2015/09/18) */
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 communicated to you on August 26, 2015, it was determined that your loan status was inadvertently reverted to "active" rather than "paid off" due to an isolated process issue. We apologize for the inconvenience.
As you know, the issue has since been resolved and a refund in the amount of $302.14 was sent to the bank account on file on September 1, 2015. On September 17, 2015, Avant contacted you telephonically to confirm that you received the refund and apologize for your experience. As such, 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]@Avant.com. We appreciate the opportunity to serve you.
Sincerely,
Avant Compliance Department

Complaint: [redacted]
I am rejecting this response because:I am beyond livid at how an organization is refusing to cooperate with what I have stated.  It is unfortunate that I cannot get through to get this issue remedied in a timely fashion.  Yes, I was told that my child support was verified and yes I did mention that if you needed other details then remove the child support and I was told it was fine!  As for the marriage certificate...what you have just stated about having my husbands name appear with his last name is sufficient, well that is brand new information that you are now revealing.  This was not disclosed up front and I took it upon myself to mention that the only last name they would see was my husband's!  How frustrating and absurd it is that you continue to dispute what I have stated.  I spoke to several different representatives that day and took more than an hour to conversate and then gather additional documents.  You are being unfair, unjust, unprofessional and definitely changing the actual conversations between myself and other representatives.  Never again will I do business with you or your affiliates.  I will be posting my reviews with a negative rating everywhere possible.  It has caused a tremendous amount of stress and has literally taken a toll on my finances because I detest being lied to.  I detest getting the runaround.  If it was no big issue then I would understand the consequences, however you are refusing to comprehend the lack of unprofessionalism and the pertinent information left out from the get go.  I tried to get what was needed.  And again, I could've provided a bigger document aside from the marriage certificate that included my husbands name as mentioned over the phone numerous times and in my last correspondence with you. You have ruined me!  I will be reporting this to Federal Trade Commission too.I want your inquiry removed from my credit reports.

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 September 21, 2015, your previously scheduled installment payment returned as unpaid. Accordingly, your loan fell into “late” status.On July 29, 2016, Avant sold your account to CACH, LLC due to its severely past due nature. Please be advised, at this time, Avant had not been notified of your bankruptcy case. On September 14, 2016, Avant received an ACDV from the [redacted] system indicating that your account was included in bankruptcy. It should be noted, Avant did not receive notice of your bankruptcy case prior to the above-referenced date. Upon receipt of this notification, Avant performed a review of your credit report and began the process to repurchase your account from CACH, LLC. Please be advised, Avant updated your account to reflect the bankruptcy petition status and filed an update to the three major credit reporting agencies, [redacted] to have this account removed from your credit report. 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, 2015/07/14) */
Dear Anthony [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.
According to our records, you began an inquiry for credit with Avant on July 1, 2015. At this point in time, you were pre-approved for a loan, and you selected a loan in the amount of $4,800, to be paid off in equal monthly installments over the course of 48 months. In order to fulfill our commitment to responsible lending, our customer applications go through an online final review process after pre-approval. This review process may change the status of your loan.
As a part of our process, we use an industry-standard online verification tool to securely connect to financial institutions in order to verify your reported income and guard against fraud. The online verification tool is widely used by over 600 leading financial institutions and 50 million consumers. We are not in the business of sharing your 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.
Please be advised that all financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. For information in regards to stored personal information, please refer to the Privacy Policy, located at the bottom of each page of our website (http://www.Avant.com).
Here at Avant, our application process includes certain industry standard verification checks and, upon reviewing the account, those verification checks were not met. We apologize for the inconvenience. To find out more about your application and why you were declined, please let us know and we would be happy to submit your request.
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, 2015/07/15) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept their response knowing they will not share my financial information; however, they need to update their software that does their verification checks. The following day, I applied for a loan from a different company. They asked the same exact questions. I answered them exactly the same with the exception of the employer name. Instead of Synchrony, I used their old name of GE. I was approved for a $6,000 loan with a lower interest rate as well.

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.
As you know, Avant contacted you regarding this matter on October 14, 2015. As a courtesy, Avant will waive the remaining interest which has accrued on your account once a payment in the amount of $180.17 is made. You indicated that you were satisfied with this result.
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: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' feature. I 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 ACH. I see you addressed MY January 8th email and your one response. What about the subsequent emails that were not answered at all? I can provide dated copies if  you so choose. They 'short-term payment plan' DID NOT break down payments. I can provide documentation if necessary. I 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 30. 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 experience with Avant. We pride ourselves in providing excellent service to all of our customers and take all...

feedback seriously.On January 15, 2016, you contacted Avant telephonically to schedule a payment via credit card for your $139.37 installment payment scheduled that same day. Due to an isolated process issue, this payment was not correctly applied to your account. This caused your account to improperly enter into a paid off status. Please be advised, a balance remained on your account following receipt of the January 15, 2016 credit card payment.In the call, the specialist confirmed the inaccurate account status that was displayed due to this process issue. We apologize for any inconvenience. Please note, the emails received on January 21, 2016 and January 22, 2016 which referenced a paid off loan were inadvertently sent due to this improper account status. As a courtesy, Avant has waived the remaining balance of your loan. Accordingly, your account now correctly reflects a paid off status. On May 11, 2016, Avant filed an update with the credit reporting agencies regarding your account. Please be advised that the credit reporting agencies follow their own policies for updating credit reports and this update may not be immediately reflected on your credit report. Avant has attempted to contact you telephonically in an effort to inform you of this resolution but has been unable to reach you. 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

Dear Joanna [redacted],We are in receipt of your complaint with the Revdex.com (Complaint ID #12038454). 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.Please be advised that, per your loan agreement, interest on your loan is calculated using the daily simple interest method at a rate of 0.06561644% per day. This means that interest accrues daily on your loan in an amount calculated by multiplying your outstanding principal balance by your daily rate. Your payments are applied first to outstanding fees, if any, then interest, and then principal.As an example, your loan was funded on October 14th, 2015 with a principal loan amount of $9,200.00. Your first payment was made on November 16th, 2015, meaning there were 33 days in between the funding date and the date of your first payment. Accordingly, the amount of interest accrued in that time was $9,200.00 x 0.06561644% x 33 days = $199.21. After subtracting the amount of accrued interest from your installment payment in the amount of $299.84, there was a remaining amount of $100.63 which was applied towards the principal balance of your loan, meaning the remaining principal balance at that time was $9,099.37. As you know, on January 31st, 2017, you made an additional payment of $50.00 towards your account.  As $70.47 of interest had accrued between the dates of January 16th, 2017, the date of your last installment payment, and January 31st, 2017, the entire payment amount was allocated towards accrued interest.  Please note that, had you paid an amount higher than $70.47, the remaining funds would have been applied towards the principal balance of your loan.  On March 14th, 2017, you were advised by one of our specialists that, if you wished for an entire additional payment to be applied toward the principal balance of your loan, you could do so by making that payment on your installment date.  Due to the nature of loan amortization, this is the only time at which all interest accrued up through that date would previously be satisfied. Additionally, please note that, as previously communicated, there are no pre-payment penalties for making additional payments or paying your loan off early.  Furthermore, please note that the additional payment made on January 31st, 2017 reduced the amount of your February 16th, 2017 installment payment which was applied towards interest by a corresponding $50.00, as you had previously satisfied this interest with your January 31st, 2017 payment.  Please also note that this resulted in $50.00 more of your February installment payment being applied toward your principal balance than what would have been applied had you not made the additional payment on January 31st, 2017.  Finally, please be advised that we do not send out monthly automated paper statements for loans. However, you may view your payment schedule and history, including a breakdown of each of your payments, by logging into your Customer Dashboard at www.Avant.com. In addition, your loan agreement is readily available on the Customer Dashboard for you to download at your convenience. 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:Avant continues to ignore the main component of my complaint:  They must advise me if the payment plan they put me on would result in my being reported late on my credit report. They DID NOT. I have grown very weary of going back and forth with them sending the same response basically trying to use the very fair credit act law that they have violated to support their position. I DEMAND that Avant stop sending canned corporate scripted replies and address my issue:  WHY DID AVANT FAIL TO INFORM ME THAT ACCEPTING THEIR OFFER WOULD NEGATIVELY AFFECT MY CREDIT???
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2015/07/27) */
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 experience. Here at Avant we pride ourselves in providing excellent customer...

service to all of our customers and take all feedback seriously.
We have reviewed the account and determined that on March 22, 2015, an online request for a loan was submitted with your information. That same day, the loan was approved and funds were deposited into the bank account on file on or about March 24, 2015.
On April 8, 2015, you contacted Avant telephonically and filed an identity theft claim. Here at Avant, we take allegations of fraud very seriously. In order to begin a thorough fraud investigation, an individual must submit a written request including proof of identity and an executed FTC Identity Theft Affidavit. If the account in question has been funded, an individual must also submit a law enforcement report or an IC3 referral form.
Your account was immediately escalated to the fraud department. Later that same day, an e-mail outlining the fraud investigation process along with a FTC identity theft affidavit was sent to the e-mail address provided by you.
On April 16, 2015, you submitted a completed affidavit and advised that you were unable to retrieve a full copy of a police report. That same day, you were informed via e-mail that a law enforcement report was required to complete the investigation.
On April 20, 2015, Avant received a subpoena from Detective [redacted], requesting additional information regarding your account to assist in his investigation. On May 6, 2015, the information requested was sent to Detective[redacted].
On June 8, 2015, you contacted Avant regarding the open identity theft investigation. On June 10, 2015, Avant responded to your inquiry via e-mail and requested that you submit either a law enforcement report or a copy of an IC3 form to complete the investigation. On July 7, 2015, you contacted Avant telephonically to discuss the IC3 form process.
On July 21, 2015, Avant received your completed IC3 referral form. Accordingly, the account on file was updated and notice was sent to the relevant credit bureaus to remove the tradeline from your credit report.
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]@Avant.com. 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 February 29, 2016, Avant debited your scheduled monthly installment payment from the bank account on file as authorized by you in your loan agreement. On March 2, 2016, Avant received an additional payment via paper check with written instructions to not process the scheduled February 29, 2016 installment. Please note, payment change requests for a scheduled payment must be made at least one business day in advance of the scheduled payment. Please also note that additional payments are applied to your account effective the date they are received and can be applied to upcoming installments at the customer’s request.On March 4, 2016, you contacted Avant regarding the two payments. Per your request, Avant submitted a refund request on your behalf for evaluation. During this call, Avant informed you that refund requests for paper check payments can take up to three weeks to be processed if approved.   As a courtesy, Avant will refund the additional payment. Please note that your next regularly scheduled installment is due on March 28, 2016. 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

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 know, on September 22, 2017, you initiated a loan request for a [redacted] installment loan via the Avant Platform using a code from a pre-screen offer letter. [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]’s established credit policy.Please be advised that pre-screen offer letters state that the offer is not guaranteed if you do not meet additional criteria needed to be creditworthy for the offer. Per [redacted]’s commitment to responsible lending, all loan requests go through an online final review process after determining potential eligibility. The rates associated with your eligibility are conditional and may change based on information obtained during the completion of your application and the verification process. This verification process may change the status of your loan.Based on the information we were able to verify, it was determined that you did not qualify for a product at that time. Your loan request was declined and notice of the decline was provided via email on September 26, 2017.&n**p;Please be advised that during the application process, you consented to your credit report being pulled for underwriting purposes. A soft credit inquiry was conducted when checking for available rates and terms. When submitting your application for final review, the we**ite clearly disclosed and required you to acknowledge that you consented to a hard inquiry on your credit report. Therefore, as both inquiries were authorized and properly agreed to, we are unable to grant your request to remove them from your credit report. Additionally, please note that we have reviewed all relevant communications regarding your account and have been unable to su**tantiate your claims that misinformation was provided.&n**p;Additionally, please be advised that all information we gather is 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.&n**p;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,&n**p;Avant Compliance Department