Avant, LLC

Dear [redacted] We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] )We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.As you are aware, on November 1, you entered into a payment plan for your WebBank installment loan serviced by AvantPer the terms of your payment plan, your plan will terminate if a scheduled payment is not received within ten days of its payment dateYour first payment plan payment was scheduled on November 18, Accordingly, this payment needed to post with an effective date of November 28, or earlier in order for your plan to remain activePlease be advised that we recently experienced an issue with our paper check processing service regarding payments processed on or around November 23, which affected the paper check payment you submittedThis issue caused a delay in applying the payments deposited that day to customer accountsDue to your account not reflecting a payment plan payment within days of its scheduled due date, an automated notice that your payment plan had terminated was sent via email on November 29, We sincerely apologize for any inconvenience this has caused.As you were informed in a call on December 5, 2016, payments are posted to your account effective the date they are receivedOn December 8, 2016, your paper check payment was posted to your account with an effective date of November 23, Accordingly, your payment plan has been reinstated.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

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 have previous been informed, while [redacted] , member FDIC, was the originator of your loan, Avant is currently the servicer and creditor on your loan for the purposes of your bankruptcy casePlease note that Avant is not a peer-to-peer lender that allows individual investors to lend money to individual borrowersRather, Avant offers consumers access to personal loans through its partnership with [redacted] We are confident we comply with all applicable state and federal rules, laws, and regulationsAt Avant, we go to great lengths to ensure a transparent and customer-focused experience.For the purposes of bankruptcy, please list "Avant" as the creditorIn order to update your account accurately, when you do file, please list the company as follows:Avant LLCNLaSalle StSte 1700Chicago, IL 60601We 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

Initial Business Response / [redacted] (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 possibleWe 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.comWe appreciate the opportunity to serve you Sincerely, Avant Compliance Department Initial Consumer Rebuttal / [redacted] (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 recordsi also would like a monetary amount of 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 weeks after proof emailed that loan was paid in full and having to wait days before refund was credited back Final Business Response / [redacted] (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 AvantHere 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 issueWe apologize for the inconvenience As you know, the issue has since been resolved and a refund in the amount of $was sent to the bank account on file on September 1, On September 17, 2015, Avant contacted you telephonically to confirm that you received the refund and apologize for your experienceAs such, we consider this matter resolved Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] @Avant.comWe 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.On April 15th, you began an application with Avant via LendingTree As you know, that same day you were sent a welcome email which included information specific to your application with Avant The following day you called Avant to inquire about the terms of our installment loansThe representative answered your questions regarding your loan request and correctly advised you that you had not submitted a final application at that timeAdditionally, our specialist made clear that, in order for us to review your application for credit, you first would have to complete the application process Please also note that, during the course of the conversation, you specifically acknowledged that in order to complete your application you would have to do so at Avant.com Later that day you completed your application and proceeded to sign a loan agreement detailing the terms of your installment loan.On April 16th, one of our originations specialists called you to verify the information you provided on your recently completed application After our specialist identified themselves as an Avant employee, the specialist proceeded to inform you that Avant only needed to verify your place of employment to complete the final verifications process Please be advised that at no point during this conversation or any previous conversation did you indicate or imply that you had not applied for a loan with Avant.On May 31st, 2016, you contacted Avant and claimed that you had not applied for a loan through the Avant PlatformAfter confirming with your bank that you had indeed received funds from Avant, you agreed to schedule a payment for the remaining balance of your loanAt that time, the representative who scheduled the payment mistakenly informed you that your payment would be applied directly to the principal balance of your loan and the remaining interest would be waivedPer your signed loan agreement, all payments are applied first to outstanding fees, if any, then to accrued interest, and finally to principalAccordingly, a remaining balance was left on your account following your attempted payoffOn June 21, 2016, as your account remained open with a balance, your regularly scheduled installment payment was attempted as agreedDue to a stop payment filed with your bank, that payment was subsequently returnedNote that no further attempts to debit the bank account on file have been madeOn that same day, you contacted Avant inquiring about the payment and again claiming that the loan was not yoursAccordingly, on June 22, 2016, an Identity Theft Victim’s Affidavit was provided to you and, as a courtesy, a supervisor contacted you via telephone in order to address your concerns and to provide explicit instructions for filing a fraud claimOn November 29, 2016, you contacted Avant via email stating again that your financial information had been compromised and requesting that your account be closedIn response, on December 14, 2016, a second Identity Theft Victim’s Affidavit with corresponding instructions for filing an identity theft claim with Avant was provided to you via emailPlease note that Avant has not received any of the requested documentation from you and, as such, an investigation into your identity theft claim cannot beginWe apologize for any inconvenience which may have been caused by the misinformation you were providedAs a courtesy, we have waived the remaining balance of your loan, and your loan has been marked as paid in full as of your final payment made on June 2, Additionally, we take claims of identity theft very seriously here at AvantAccordingly, we have sent a third copy of the Identity Theft Victim’s Affidavit, as well as instructions for filing an identity theft claim, to the email address associated with your complaintAgain, please note that the requested documentation must be completed and returned to Avant in order for an investigation into your claim to beginWe 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 seriouslyAs you are aware, you were approved for a [redacted] loan issued through the Avant Platform on April 25, [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.On November 21, 2016, you contacted Avant and received a payoff quote for your account balance effective November 30, in the amount of $4,Please be advised that Avant received and deposited a $4,check payment on November 29, which contained insufficient identifying information to be associated with a customer accountIt should be noted that the check did not contain your name, account number, or loan number and was not sent from the bank account or financial institution associated with your accountAs no payment was reflected on your account to satisfy your December 1, installment payment, your account temporarily entered into a late statusOn December 12, 2016, you contacted Avant telephonically inquiring whether your payment had been receivedDuring this call, Avant requested additional information in order to identify the paymentOn December 13, 2016, you forwarded an image of the payment that had been sent from a financial institution on your behalf.On December 14, 2016, you contacted Avant telephonically to see if your check had been identifiedDuring this call, you were mistakenly informed that the check was unable to be applied at that time due to a system issue, and that the check may not be applied until January 12, We apologize for any inconvenience this inadvertent miscommunication may have causedPlease note, upon review of the information you provided, Avant was able to associate the payment in question with your accountOn December 21, 2016, the check was applied to your account with an effective date of November 29, Following application of this payment, your account now reflects as paid off, and will be reported as such to the credit bureausAdditionally, as your account was never days past due, you will not be reported as late to the bureausA refund will be processed for the overpayment of your loan balance, as your account balance effective November 29, was less than the amount you submittedWe 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: As a company who operated off CUSTOMERS, if I call you and tell you that I had my wallet stolen and I need to give you my new account info and your rep offered me NO assistanceNo actual offer that could help meThey wouldn't take the new account # over the phoneYour rep should have told me I could cancel my ACHShe told me nothingCustomer service is everythingYour company has noneWhat is to your company? Since this has happened to me I have gone thru ALLOT to get it situatedI got no assistance from your rep or your companyI reject your response bc it still is unhelpful just like your companyMy credit needs will not be met by y'all in the futureThanks ???? Sincerely, [redacted] ***

Dear [redacted] Thank you for your commentsWe are sorry to hear that you remain dissatisfied with your experienceAs previously stated, Avant has confirmed that all credits have been correctly applied to your account as detailed in our prior Revdex.com responsesTo provide further clarification for this matter, Avant will email you a payment breakdown detailing all payments and credits on your account up through the completion of your settlement arrangementThis document will include highlighted regions where credits were applied or interest and charges were waivedYou can expect to receive this document in the next 1-business daysWe trust this explanation resolves this matterIf 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 [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.Please be advised that we have thoroughly reviewed your account and found that when you contacted Avant on December 21, 2017, you were correctly advised that failure to make your December 15, payment in full by December 26, would result in a $late fee being assessed to your accountAdditionally, please note that your loan agreement explicitly states, "You will be charged a late fee of $if any scheduled payment is not paid in full within days after its due date." Accordingly, due to your December 15, payment not being made within days of the due date, a late fee in the amount of $was assessed to your accountAs such, we are unable to grant your request for a refund of the December 26, late feeIf you would like assistance with making your payments, our friendly, understanding representatives are here days a week to help himPlease contact our Customer Support Center at 800-***- [redacted] and we will be happy discuss payment arrangements that may be available for your account.At Avant, we go to great lengths to ensure a transparent and customer-focused experience If you have any questions, feel free to contact our Customer Support Center at 1-800-***- [redacted] or [email protected] appreciate the opportunity to serve you.Sincerely, Avant Compliance Department

January 2, 2016Dear Kevin [redacted] ,We are in receipt of your complaint with the Revdex.com (Complaint ID #10995942)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant we pride ourselves in providing excellent customer service to all of our customers and take all feedback seriously.We have reviewed your account and determined that you made a total of four (4) payments towards your loan #The first three (3) payments were installment payments in accordance with your loan agreementPlease be advised that, per your loan agreement, payments will be applied first to outstanding charges, if any, then to accrued interest and then to principal.We have thoroughly investigated your account and confirmed that each of the above-referenced installment payments were allocated as outlined in your loan agreementIf you would like to request a breakdown of payments, please contact us directly at your earliest convenience at [email protected], and we will be happy to send over the information.Additionally, the final payment made towards your loan on December 11, in the amount of $12,satisfied your outstanding balance in fullAccordingly, the loan is paid off and no refund is required.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 experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.According to our records, on June 3, 2014, you initiated an inquiry for credit and signed an account agreement with Avant Credit of Maryland, LLC (“Avant”), agreeing to the rates and terms of a proposed credit lineOn June 12, 2014, your line of credit was approvedAccordingly, funds were issued to the bank account on file on or about June 13, 2014.On May 17, 2016, a payment was attempted from the bank account on file for the minimum payment due for that month, as defined in the account agreementThis payment returned on May 18, The return code for this payment indicated that insufficient funds were available to satisfy the payment that was attempted.On June 2, 2016, you contacted Avant in an effort to update your bank accountYour bank account was updated during this callIn order to verify the bank account you provided was a personal checking or savings account in your name, Avant advised you that documentation such as a voided check or bank statement was requiredAdditionally, Avant informed you that payments could be scheduled from the updated bank account at that timePlease note, per your account agreement, a late fee will be assessed to your account if the monthly minimum payment due is not made within fifteen (15) days of its payment due dateAs your May 17, payment was not made within this time frame, a late fee was assessed to your account on June 2, On June 3, 2016, your periodic statement for the month of May was sent to you via emailThis statement detailed your account status through May 31, Accordingly, it did not include the fee assessed on June 2, This statement listed the upcoming minimum payment due, effective May 31, 2016, as $On June 15, 2015, you contacted Avant telephonicallyDuring this call, Avant confirmed that the bank account on file had been updatedOnce again, Avant informed you that addition documentation would still be required to verify the updated bank account informationYou provided a bank statement during this call to satisfy this requirementOn June 17, 2016, the minimum payment due was debited from the bank account on file as agreedPlease note, per your credit line agreement, the minimum payment due each billing cycle will equal the interest accrued during the billing cycle, an amortized portion of the cash advance fees, a percentage of the outstanding principal balance as detailed in the agreement, and any late payment fees and returned payment feesAccordingly, the minimum payment debited from your account included the late fee assessed June 2, 2016, making the total minimum payment due, effective June 17, 2016, equal to $1,030.28.Per the ACH authorization you provided in your credit line agreement, you authorized Avant to automatically debit the minimum payment due on each scheduled payment dateAdditionally, you further authorized Avant to initiate separate electronic debits for any applicable late charge or returned payment fee, as detailed in the agreementOn June 18, and June 19, 2016, you contacted Avant via telephone disputing your authorization for the late fee to be included in the minimum payment due for the payment processed on June 17, During these calls, you also requested copies of your monthly statements for the past yearOn June 20, 2016, you contacted Avant via email to dispute the debited amountYou also provided notice that you revoked your ACH authorizationYour account was updated accordinglyThat same day, a written explanation was provided of the assessed fee and calculation of the minimum payment due for June 17, 2016, as defined by your line of credit agreementOn August 19, 2016, in accordance with the “Desired Settlement” as listed in your Revdex.com complaint, copies of the monthly statements that were initially provided via email from June through May were once again sent to the email address on file for your accountPlease note that the minimum payment due as listed in each of these statements may have increased prior to the upcoming monthly payment due date if additional fees were assessed to your accountWe trust this explanation resolves this matterWe are confident we comply with all applicable state and federal rules, laws, and regulationsAt 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 [redacted] , We are in receipt of your additional comments regarding your complaint with the Revdex.com (Complaint ID [redacted] We are sorry to hear that you continue to be dissatisfied with your customer experienceHere at Avant, we are always working on ways to enhance the customer experience based on customer feedback such as yoursWe treat all customer feedback as a learning experienceNonetheless, as previously communicated, as the terms and conditions of your payment plan were agreed to and your loan’s credit reporting was conducted in full accordance with those terms and conditions, we are unable to modify or remove the negative credit reporting associated with your account for the months of December 2016, January 2017, and February Furthermore, please be advised that your account is currently being reported as 60+ days past due as we have yet to receive payment for either your March or April installmentsAdditionally, as we have yet to receive payment for your May installment, please note that this installment is at risk of being reported as late to the credit bureaus as wellAs the Fair Credit Reporting Act (FCRA) prevents us from removing information found to be complete and accurate, we are unable to remove any of the credit reporting in question Finally, please be advised that WebBank and Avant are confident that each fully complies with all applicable state and federal rules, laws, and regulations, including the Fair Credit Reporting ActIf 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

Complaint: [redacted] I am rejecting this response because: the credits were not added Sincerely, [redacted]

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

Dear [redacted] 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 December 3, 2017, you initiated an application for a [redacted] installment loan via the Avant Platform using a code from a pre-screen offer letter [redacted] is the credit issuer of the Avant Platform, a closed-end installment program, where Avant operates as the administrator and servicer of the programAll applications are considered in accordance with [redacted] ’s established credit policyWe adamantly deny the use of any misleading marketing or advertising practicesPlease be advised that pre-screen offers are based in part on information contained in your credit report indicating that you meet certain criteria and, as stated in the letter, the offer is not guaranteed if you no longer meet the criteria used to screen you for the offer, or if you do not meet additional criteria needed to be creditworthy for the offer.Based on the information you submitted, it was determined that you did not qualify for a product at that timeYour loan request was declined per the established credit policy and notice of the decline was provided via emailWe believe our marketing practices are fair and equitable as all applications for credit are determined on an individual basis and are based on a number of factors including your credit score, repayment history, debt to income ratio, etcIf you would like a written explanation as to why we were unable to approve you, please contact us and a list of denial reasons will be sent to the e-mail address on file.Additionally, we are in receipt of your request to opt out of future offer letters and have updated your account accordinglyTo opt out of future offer letters please visit www.optoutprescreen.com or contact the Consumer Reporting Agency toll-free at [redacted] You can also request to be removed from future mailings by contacting the credit bureaus at the following address: [redacted] Options P.OBox 740123, Atlanta, GA 30374-[redacted] Opt Out Request [redacted] ***Woodlyn, PA 19094-[redacted] Consumer Opt Out [redacted] ***Allen, TX 75013Both [redacted] and Avant are confident we comply with all applicable state and federal rules, laws, and regulationsWe 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 and welcome you to reapply after days.Sincerely,Avant [redacted] Department

Dear [redacted] ***Thank you for your commentsAfter reviewing your account, Avant has found that all information reported to the credit reporting agencies regarding your account is accuratePlease note that at no time was your account reported as past due to the credit reporting agenciesWe have confirmed this fact with all credit reporting agenciesWe apologize for our process issue that resulted in your January debit and for any inconvenience we have caused youAs previously stated, we have completed the review of your account, and confirmed that no further payments will be debited from the bank account on file unless we receive your explicit authorization As a courtesy, we have also waived your January installment payment.Additionally, we will reimburse any fees assessed to you by your bank Please submit documentation in the form of a bank statement or transaction detail showing the disputed debit, as well as the full amount of any fees, so that Avant may begin the reimbursement processIf 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

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

Complaint: I am rejecting this response because: It still doesn't make sense or add up, consequently, I'm done pursuing this matter and will never do business with or recommend this business to anyone Sincerely, Kevin [redacted]

Complaint: [redacted] I am rejecting this response because:I asked the customer service agent to include ALL payments & fees & penalties She said gave me that $ amountI confirmed with her that I did NOT need to make any further payments and she acknowledged that She said I was done and no more $ would be required of me If they have the supposed recording why can they not play it for you AND me? I don't believe them! 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 experienceWe pride ourselves in providing excellent service to all of our customers and take all feedback seriously.As you are aware, on February 7, 2014, you completed an inquiry for credit with AvantCredit of Wisconsin, LLC (“Avant”)Your loan request was approved and you signed a loan agreement detailing the full rates and terms of the installment loanPer your loan agreement, Avant may report information about your account to the credit bureaus including late payments, missed payments, or other defaultsPlease be advised that Avant has performed a thorough investigation into your account and reviewed applicable court documentation relating to your Chapter bankruptcy initially filed November 25, We have determined that your account with Avant has not been discharged under federal bankruptcy lawWe are confident that we comply with all applicable state and federal rules, laws, and regulations.On November 30, this bankruptcy filing was closed with the disposition of “discharge not applicable.” Accordingly, regular reporting of your account resumedUpon review, we have found that all information reported to the credit bureaus on behalf of your account is accurate, including its past due statusThe Fair Credit Reporting Act (FCRA) prevents us from removing any information from your credit report which is found to be accurate and complete We trust this explanation resolves this 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

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