Avant, LLC

Dear Darline [redacted] ,We are in receipt of your complaint with the Revdex.com (Complaint ID # 12348098)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 16, 2015, you initiated a loan request on www.Avant.com and executed a loan agreement outlining the rates and terms of the loanOn January 17, 2015, your loan request was approvedFunds were deposited into the bank account on file on or about January 23, On August 4, 2015, Avant received a facsimile from a debt management companyThis included an authorization signed by you for the debt management company to access account information and communicate with Avant on your behalfAs you are aware, on September 16, 2015, you entered into a payment plan agreement with AvantOn September 17, 2015, your debt management company contacted Avant telephonically and received a payoff quote effective that same day in the amount of $11,625.89.Per your payment plan agreement, you were required to make payments within ten (10) days of each payment’s scheduled due date in order for the payment plan to remain activeThis agreement stated that your original monthly payment schedule and terms would be reinstated if the payment plan was terminatedPlease be advised that because your October 15, payment plan payment was not made within the required time period, your payment plan was terminatedPer your loan agreement, interest continued to accrue on the remaining principal balance of your loanOn November 24, 2015, Avant received a paper check in the amount of $379.13, which was subsequently applied to your account on December 1, On November 30, 2015, Avant received a paper check in the amount of $11,which was subsequently applied to your account on December 2, On December 1, 2015, your debt management company received a quote of $12,for the remaining balance of your loanAs a result of the subsequent application of the paper checks, less interest had accrued to your balance than what was quoted at the time of the December 1, call with the debt management companyWe apologize for any confusion this may have causedPlease be advised, following the application of these paper checks, $remained on your loan balance effective December 1, As a courtesy, Avant has elected to waive this remaining balance as well as the additional interest that has accrued on your account since December 1, Your account has been marked as paid off We trust this explanation resolves this matterHere at Avant, we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Initial Business Response / [redacted] (1000, 5, 2015/08/19) */ 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 experienceHere at Avant we pride ourselves in providing excellent customer service to all of our customers and take all feedback seriously Upon investigation of your account, it was discovered that you increased your installment payment due July 1, from the regularly scheduled amount of $to $12,400.00, which was the initial principal amount of your loanPer the loan agreement signed by you on April 26, 2015, interest began to accrue on the principal balance of the loan starting on April 30, 2015, the effective date of the loan agreement On July 1, the outstanding balance was $12,Subsequently, you made a payment in the amount of $12,effective July 1, Accordingly, a balance of $remained on your account following this payment Please be advised that the remaining principal balance will continue to accrue interest until your loan is paid offPayoffs may be made via paper check, money order, remotely created check or ACH from the bank account on filePlease be advised that you can view your payoff amount online using the following steps on the Customer Dashboard at www.Avant.com: Click "Make a Payment", located to the right of your payment schedule Select "Make an Additional Payment" Select the date you would want to schedule the payoff (please note: the payoff date must be at least one business day out) Once you have completed the steps outlined above, a payoff amount will be generatedIf you do not wish to proceed with paying off your loan, be sure to click the "CANCEL" buttonPlease note that payments that fall on a weekend or bank holiday are set for the following business dayIf you have any questions about this process, please contact Customer Support at X-XXX-XXX-XXXX 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

Initial Business Response / [redacted] (1000, 5, 2015/10/01) */ Dear [redacted] We are in receipt of your complaint with the Revdex.com (Case #94570599)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant we pride ourselves in providing excellent customer service to all of our customers and take all feedback seriously Our records indicate that you submitted an inquiry for credit with Avant on May 12, On May 13, 2015, you signed your loan agreement with Avant, including your authorization for the Remotely Created Check ("RCC") payment methodOn May 14, 2015, you sent an email to Avant indicating that you wished to opt out of RCC payments, and that you preferred to call in each month in order to make your payments via debit or credit cardPer your request, your account was opted out of RCCOn or about May 15, 2015, funds were deposited into that bank account on file On June 15, 2015, you contacted Avant telephonically and made your first installment payment in the amount of $via debit card On July 2, 2015, you contacted Avant via telephone and made an early payment for your installment due July 15, in the amount of $via debit cardDuring this call you inquired as to why Avant required you to provide your debit card information each monthYou were advised that, for security purposes, Avant does not store debit or credit card information in our system On August 14, 2015, you contacted Avant telephonically and made your August installment payment in the amount of $via debit card On September 2, 2015, you scheduled a one-time payment via your Customer Dashboard to be debited from the bank account on file on September 3, via the RCC payment methodOn this same date, you contacted Avant telephonically and indicated that you wished for this payment to cover your September installment, due September 15, On September 9, 2015, the payment scheduled by you via your Customer Dashboard returned, with the return code "Refer to Maker"On September 12, 2015, you contacted Avant telephonically and indicated that you believed the return to be a mistakeYou were advised that, should Avant be able to verify that this payment was received, your account would be updated accordinglyAdditionally, you were advised to contact your financial institution for verification of the returned paymentAfter a thorough investigation, Avant was able to confirm that this payment was in fact returned with the above-referenced return code, and that your installment payment for the month of September was still outstanding On September 16, 2015, you contacted Avant telephonicallyDuring this call, you set up a payment via debit card to satisfy your September installment Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you Sincerely, Avant Compliance Department

Dear [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 AvantHere 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 on April 14, 2016, and provided an explanation of the adjustments that had been made to your account following investigation of your complaintYou indicated you were satisfied with this resolution Accordingly, Avant considers this matter resolvedHere 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] We appreciate the opportunity to serve youSincerely,Avant Compliance Department

Dear Mary [redacted] , Please be advised that Avant is committed to providing a transparent, fair, and customer-focused experienceAs stated in our initial response to your Revdex.com complaint, the loan request process clearly discloses that loan funding may be subject to verification checksIn order to fulfill our commitment to responsible lending, all loan requests go through a final review process which can affect the status of the loanWe apologize for any confusion you may have experienced during our efforts to resolve this complaintPlease note, you are eligible to reapply for a loan at your convenience.We trust this explanation resolves this matterIf 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: [redacted] I am rejecting this response because:The Avant company stated that they could not give me a lower percentage on the interest rate they charged me due to my creditI'm not sure what they were looking at because at that time frame I was approved for higher increases on my credit cards through Capitol One and Wells Fargo and in addition I was pre approved for a new car loan which I declined at this timeIf in fact my credit was not good enough as they stated, I would not have been able to get better high profile lenders and rate increasesIt is troubling to know that this business is charging such extreme amounts to consumers when they are in need to better themselvesI have clearly established myself and have worked hard to obtain better creditI want to have a lower interest rate so I can pay off this loan and be finished with itThank you 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 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 programAll 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 offerPer [redacted] ’s 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 loan.Based 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 September 26, 2017.&n**p;Please be advised that during the application process, you consented to your credit report being pulled for underwriting purposesA soft credit inquiry was conducted when checking for available rates and termsWhen 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 reportTherefore, as both inquiries were authorized and properly agreed to, we are unable to grant your request to remove them from your credit reportAdditionally, 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 softwareThis software ensures that, even in the event of a security breach, the information will be unintelligible.&n**p;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,&n**p;Avant Compliance Department

Complaint: [redacted] I am rejecting this response because:I feel the information as well as the terms and conditions should be better displayedThe interest from day one should be clearer should be addressed before the loan process is completedAnother issue I would like to address is the fact that I sent another voided check out and my account still has my old checking account which I do not have any moreI never got the email confirmation stating that I agree to the terms of change in accountWhere did this voided check go? I find it suspicious that I cant log onto my account and change it right from my log in pageEvery account that I have when I need to change any information I can log in and change it right on the page 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 September 21, 2015, your previously scheduled installment payment returned as unpaidAccordingly, your loan fell into “late” status.On July 29, 2016, Avant sold your account to CACH, LLC due to its severely past due naturePlease be advised, at this time, Avant had not been notified of your bankruptcy caseOn September 14, 2016, Avant received an ACDV from the [redacted] system indicating that your account was included in bankruptcyIt should be noted, Avant did not receive notice of your bankruptcy case prior to the above-referenced dateUpon receipt of this notification, Avant performed a review of your credit report and began the process to repurchase your account from CACH, LLCPlease 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 reportWe 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

Dear Jeffrey [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 October 20, 2015, Avant received a letter from [redacted] Management Services, a debt management company, advising that you had agreed to participate in a debt management planThis document included a proposed monthly payment amount of $Please be advised that per company policy, Avant must cease communications with the customer once they have enrolled with a debt management serviceOn November 4, 2015, you agreed to a payment plan to reduce the monthly installment payments of your [redacted] installment loan issued through the Avant Platform [redacted] is the [redacted] issuer for the Avant Platform, a closed-end installment loan program, where Avant operates as the administrator and servicer of the programAs part of that agreement, you acknowledged that the payment plan would automatically terminate if any payment was not satisfied within ten days of its due dateOn August 18, 2017, your payment plan was correctly terminated for failure to make your August 7, payment within the allotted ten-day grace periodFollowing the termination of the plan, the terms of your original loan agreement were reinstatedThat same day, an email was sent to the email address on file advising that your payment plan had been terminated and that the payment due date and installment payment amount your original loan agreement were reinstatedNote that information regarding loan status, including upcoming payments and any past due balance, can be seen by customers with active installment products at any time via their online customer dashboardWe are confident we comply with all applicable state and federal rules, laws, and regulations.Note that, following the termination of your payment plan agreement, Avant received only two further payments, both for less than the full amount of your monthly installment amountConsequently, on December 21, 2017, your account was sold to [redacted] III LLC, a debt buyer, as the account had become severely past dueAccordingly, please contact [redacted] III LLC at 888-***- [redacted] for information regarding the status of your account or to make a paymentWe appreciate the opportunity to serve you and wish you the best in the future.We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected], Avant Compliance Department

Dear [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 February 10th, 2017, Avant was inadvertently sent a cashier’s check made out to a different private financial institution by your bank which was subsequently credited to your Avant accountPlease note that checks sent to Avant are automatically processed by our paper check processing serviceWe apologize for any inconvenience this may have caused Please note that we have contacted your financial institution regarding this matter, and they have requested that you contact them directly in order to stop payment for this checkAlternatively, you may email us at [redacted] with your desired method of reimbursement and we will be happy to refund the payment directlyAt 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

Dear [redacted] Thank you for your commentsAs we have previously mentioned, we have thoroughly investigated your account and confirmed that your account is being reported to the credit bureaus accuratelyIf you are facing financial hardship or are having difficulty making payments, please reach out to our Payments Team at [redacted] @avant.com to discuss various repayment options.If 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

Complaint: [redacted] I am rejecting this response because: I did not receive an email from you in August, 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 experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriouslyAs you are aware, on May 3, 2016, you applied and were approved for a [redacted] installment loan through Avant [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 programAs you know, on April 23, 2017, you requested a payoff quote for your loan via your online customer dashboard and were provided with the payoff quote via emailAs disclosed in the payoff quote emailed to you, the payoff amount of $9,assumed that all existing payments scheduled on or prior to the payoff quote date of April 27, would be successfully madePlease be advised that, at the time you requested the payoff quote, a separate $1,payment was scheduled to debited from your bank account on file on April 27, Accordingly, the payoff quote provided to you assumed that this payment would be made separately from the payoff amountAccording to our records, following the payoff amount of $9,being provided to you, you modified your existing $1,payment and updated the payment amount to $9,As a result, on April 27, 2017, your account correctly listed a remaining principal balance of $1, On May 8, and May 17, 2017, you called Avant regarding your account’s remaining balanceDuring each of these phone calls, you were mistakenly advised that your account was incorrect in listing a remaining principal balanceWe apologize for any inconvenience this may have causedPlease be advised that, in accordance with our commitment to a transparent and customer-focused experience, Avant has elected to waive the remaining balance of your accountAs a result, your account will be reported as paid in full to the credit bureaus as of April 27, 2017, the date of your final paymentPlease note that the credit reporting agencies follow their own policies of updating credit reports and it may take a few days for this update to reflect on your credit reportWe 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 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.On February 8, 2016, you submitted documentation to update your bank accountUpon review, it was determined that the submitted documentation was insufficientThat same day, Avant contacted you via e-mail requesting the proper documentation to perform the update.On February 19, 2016, you contacted Avant via e-mail regarding the process to update your bank accountOn February 22, 2016, Avant replied to your email, informing you that you had not provided sufficient documentation to update your bank accountAdditionally, Avant provided information on what documents were sufficient to update your bank account.On February 26, 2016, you contacted Avant telephonically and made your February installment payment via credit cardAt this time, you informed Avant you had obtained sufficient documentation to update your bank accountAccordingly, Avant advised you to submit your documents so your bank account could be updatedOn October 11, 2016, you contacted Avant via email and asked to update your credit card information on fileOn October 13, 2016, Avant informed you that, although you may make payments via credit card, this information is not stored within the Avant systemAdditionally, Avant provided you with information on how you may update your bank account.Upon receipt of you dispute with the Revdex.com, Avant performed an in-depth review of your accountFollowing this investigation, Avant has determined that you have not provided sufficient documentation to update your bank accountFurthermore, we have been unable to substantiate your claim that you contacted Avant telephonically on or around October 10, 2016, to update your bank account.In an effort to assist you in returning your account to good standing, Avant will allow you to provide the proper documentation after the account number and routing number on file have been updatedYou can contact Customer Support at [redacted] to update your bank account over the phonePlease note, proper documentation will still be required following the update of the bank account on file.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

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 July 10, 2017, you contacted Avant via phone and received a payoff quote in the amount of $for your remaining account balance effective July 11, On July 17, 2017, Avant received a paper check in the amount of $and applied this payment to your accountSubsequently, on August 1, 2017, your account was marked as paid in full On August 4, 2017, a refund in the amount of $was issued to the bank account on fileThe refund returned on August 9, with a return code of [R02], which indicates that the account is closedThat same day, Avant contacted you via email informing you that the funds had returnedOn August 10, 2017, you contacted Avant via email requesting that the refund be sent to the address on file via paper checkOn August 16, 2017, Avant contacted you via email and advised that a refund in the amount of $was issued to the mailing address on filePlease be advised that we have reviewed your account and determined that, due to an isolated process deficiency, a refund was not issued to the mailing address on fileWe sincerely apologize for any inconvenience you may have experienced, and are working to ensure this issue does not occur in the futureOn September 19, 2017, upon discovery of this issue, a paper check in the amount of $was issued to the address on fileWe 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 seriouslyAs you are aware, on March 7, 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 programOn March 11, 2017, you submitted your completed application for final review.On March 12, 2017, you contacted Avant via email and requested that your completed application be cancelled prior to approvalThis requested update to your application was not applied to your account prior to the approval of your loan, which was communicated to you via email on March 13, We apologize for any inconvenience this may have causedYou subsequently contacted Avant and requested that your administration fee be waived as your request for cancellation was provided prior to communication of the approvalFollowing approval, funds were issued to the bank account on fileOn March 16, 2017, you contacted Avant and scheduled an ACH payment for March 17, to return your disbursement amountDuring this call, you repeated your request to have the administration fee waived.Please be advised that Avant has applied a credit to your account for the administration fee and any interest that accrued to your account from the funding date through the date the disbursement amount was returnedYour account reflects as paid in fullWe 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 youSincerely,Avant [redacted] 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 AvantHere 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, you initiated a loan request at www.Avant.comYour loan request was approved on February 5, and a copy of the executed loan agreement was sent to the email address on fileDue to an isolated system issue, your loan funding was delayedAccordingly, on February 8, you were informed that Avant required you to sign an updated loan agreementLater 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 causedAs 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 feesAdditionally, 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 matterHere at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve youSincerely,Avant Compliance Department

Initial Business Response / [redacted] (1000, 5, 2015/06/26) */ 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 Please be advised that [redacted] is the credit issuer for the Avant Program, which is a closed-end installment loan program [redacted] is a Utah-chartered industrial bank, located in Salt Lake City, Utah, and is an FDIC member bank [redacted] makes loans to Florida residents as authorized by the Federal Deposit Insurance Act, U.S.C§ 1831dFederal law gives [redacted] the power to make loans to residents of other states (including the state of Florida) at the rates permitted by the laws of its home state [redacted] and Avant strive to fully comply with all applicable state and federal rules, laws, and regulations All loan applications are considered in accordance with [redacted] established credit policyPlease be advised that all installment loan terms are clearly and fully disclosed on the company website, during the application process, and prominently displayed on your loan agreement prior to signingFor your review, we have attached a copy of your signed loan agreement Additionally, on April 30, 2015, you contacted Avant telephonically to inquire about additional paymentsDuring this call, you were mistakenly informed that additional payments would go toward your upcoming installment, resulting in your installment not being debited from your bank accountWe apologize for this miscommunicationPayments are applied first to outstanding charges, if any, then to accrued interest and then to principalMaking additional payments towards your outstanding balance helps to decrease the total amount of interest accrued on your account over timeAs you know, your June installment in the amount of $was refunded on or about June 25, We trust this resolves this matter to your satisfactionHere at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] @Avant.comWe appreciate the opportunity to serve you Sincerely, Avant Compliance Department Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/06/29) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am glad that after I went to these drastic lengths that Avant finally lived up to its end of the bargainYour reps are rude, except for the rep I spoke with on 4/30/who was great

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 AvantHere at Avant we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.According to our records, on December 17, 2015, you submitted a loan request via www.Avant.comOn December 19, 2015, your loan request was approved and you signed your Loan AgreementPer your Loan Agreement, your first installment payment was due on January 22, On January 21, 2016, on or around 11:PM, you contacted Avant telephonically to advise that the bank account on file had been closedYou 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 requestAt this time you were also advised that you would be assessed a Non-Sufficient Funds fee in the amount of $if this installment payment returnedPlease be advised that, per 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, we are unable to waive this feeHere 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