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 experienceAs you know, on April 25th, 2017, you submitted an application for credit with Avant for a [redacted] installment loan [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 As you are aware, during the loan request process, you consented to a hard credit inquiry being conducted on your credit report when submitting your application for final review As this inquiry was authorized and properly agreed to, we are unable to remove it from your credit reportPlease note that, in accordance with [redacted] commitment to preventing identity theft and fraud, Avant employs several industry standard verification checks in the final review process to verify the identity of each applicant Upon review of your account, we have found that Avant was unable to verify all the necessary information submitted in connection with your loan request at the time it was made As a result, your application was declined Please be advised that, here at Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously We apologize your experience did not meet these expectations and we encourage you to re-apply If you choose to re-apply, please note that since days have elapsed since the date of the initial submission of your application, a second hard inquiry may be required in order to continue with the loan request processWe 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 [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, 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 matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Complaint: [redacted] I am rejecting this response because: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 reportThey DID NOTI 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 positionI 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]

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 4, 2017, you initiated an application for a [redacted] installment loan via the Avant Platform [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 for credit are considered in accordance with [redacted] ’s established credit policyDuring this process, you consented to your credit report being pulled for underwriting purposes, as well as consenting to electronic communicationsA soft credit inquiry was conducted when checking available rates and termsSubsequently, you consented to a hard inquiry on your credit report when submitting the loan request for a final review processUpon review of your account, we are unable to substantiate your claim of your loan request receiving final approval prior to the verification process being completedPlease be advised that, in order to fulfill our commitment to responsible lending, all loan requests go through an online final review process after determining potential eligibilityThe rates associated with your eligibility are conditional and may change based on information obtained during the completion of your application and the verification processThis verification process may change the status of your loanPlease be advised that rates are determined on an individual basis and are based on a number of factors including your credit score, repayment history, debt to income ratio, etc.According to our records, on December 12, 2017, your application expired due to the application not being completed within days of the application date and we provided you with an expired application notice, which we provide every customer whose loan request expiresThe notice is designed to help consumers by providing transparency to the credit underwriting process and allows consumers to request the reasons adverse action was takenOn December 13, 2017, you called Avant requesting to reopen your application and were correctly advised that you are welcome to reapply at your convenienceSubsequently, you initiated another application and received notification that you did not qualify for a loan at that timeAfter a thorough review of your account, we have determined that, due to an isolated process issue, your application may have been incorrectly evaluatedWe apologize for any inconvenience this may have causedNote that Avant has reopened your application to allow you to continue with the application process at your conveniencePlease be advised that, should you continue within days of the initial credit inquiry, we do not require a new credit inquiry to be performedHowever, after days, the credit report is out of date and we will need to perform a new hard credit inquiryShould you choose to continue, note that the rates associated with your eligibility are, once again, conditional and may change based on information obtained during the completion of your application and the verification processAs clearly disclosed on the website, approval and loan terms will vary based on the information we are able to verifyAdditionally, we are unable to honor your request to remove the credit inquiry as, upon submission of your application for final review, you consented to a hard credit inquiry, which was performed as authorizedWe 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 experience with AvantHere at Avant we pride ourselves in providing excellent customer service to all of our customers and take all feedback seriously.Please note that you were selected through a pre-screening process based on your credit history with data from [redacted] According to our records, on August 28, and on November 4, 2015, you were sent pre-screen letters containing offers for a personal unsecured installment loanAs disclosed in each letter, the offer is not guaranteed if you no longer meet the credit criteria used to screen you for the offer or you do not meet additional criteria needed to be creditworthy for the offerCredit 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., which are evaluated upon submitting a request for a loan.Upon receipt of these letters, you submitted inquiries for credit on September 16, and on November 15, 2015, respectivelyYour loan requests were declined and you accordingly received Notices of Adverse Action via email, indicating that you were not eligible for a loanPlease 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 [redacted] ***, and is an FDIC member bankAll loan requests are considered in accordance with [redacted] 's established credit policy [redacted] and Avant strive to fully comply with all applicable state and federal rules, laws, and regulations.To find out more about your loan requests and why you were declined, please contact us at [email protected] and we would be happy to submit your request.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

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 experience with AvantWe 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 $installment payment scheduled that same dayDue to an isolated process issue, this payment was not correctly applied to your accountThis caused your account to improperly enter into a paid off statusPlease be advised, a balance remained on your account following receipt of the January 15, credit card payment.In the call, the specialist confirmed the inaccurate account status that was displayed due to this process issueWe apologize for any inconveniencePlease note, the emails received on January 21, and January 22, which referenced a paid off loan were inadvertently sent due to this improper account statusAs a courtesy, Avant has waived the remaining balance of your loanAccordingly, your account now correctly reflects a paid off statusOn May 11, 2016, Avant filed an update with the credit reporting agencies regarding your accountPlease 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 reportAvant has attempted to contact you telephonically in an effort to inform you of this resolution but has been unable to reach youWe 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 [redacted] We appreciate the opportunity to serve youSincerely,Avant Compliance Department

Dear Tami [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 communicated to you via email on March 1, 2018, we have thoroughly reviewed your account and found that your February 26, payment in the amount of $was scheduled via your Customer Dashboard as an additional paymentPlease be advised that per the terms of your loan agreement an installment payment in the amount of $was scheduled to be debited via ACH from the bank account on file that same dayOn March 6, 2018, your February 26, installment payment in the amount of $returned with a return code of [R10], which indicates that you advised your financial institution that the debit was unauthorizedAs such, Avant is unable to grant your request for a refund of your installment payment in the amount of $We are confident we comply with all applicable state and federal rules, laws, and regulations.Please be advised that as a result of this payment being returned your bank account was marked as invalidPlease note that Avant will not attempt future debits from this account unless you provide new bank account information to update the bank account 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], 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 August 3, 2016, you initiated a loan request via the Avant PlatformPlease note that WebBank is the credit issuer for the Avant Platform, a closed-end installment loan program, where Avant operates as the administrator and servicer of the programYou were presented with options for loans, and selected a $13,WebBank loan with a 36-month term and a 35.95% Annual Percentage Rate (“APR”)Your loan request was subsequently approved, and you signed a loan agreement detailing the full terms of the WebBank loan on August 4, The rates and terms of your loan were clearly and fully disclosed on the company website, during the loan request process, and in your loan agreementPlease note, the Servicemembers Civil Relief Act (“SCRA”) provides a limit for the maximum rate of interest that can be charged for debts incurred before military serviceTo qualify for the reduced interest rate for your installment loan serviced by Avant under the SCRA, you would need to have entered into the loan agreement prior to being placed on active duty military service.On October 12, 2016, you contacted Avant to request relief under the SCRA and provided documentation regarding deployment ordersFollowing receipt of this request, Avant reviewed the Department of Defense Manpower Data Center (“DMDC”) to determine the start date of your active duty statusPer the DMDC, your active duty status began on July 8, The DMDC report indicates that you were already on active duty status when you initiated your loan request and agreed to the rates and terms of your installment loanAccordingly, Avant determined that you do not qualify for a reduction of your APR under the SCRAAvant contacted you via email on October 17, 2016, and informed you of this determinationIf you find that you are having difficulty making your payments, please do not hesitate to contact Customer Support at [redacted] or at [redacted] to discuss your various repayment options.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 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, on April 5, 2016, Avant contacted you telephonically at which time you were advised that the issue affecting your payment plan had been resolved, and the payment plan had been reinstatedFurthermore, you were informed that the credit reporting for your account had not been negatively affected by this issueYou indicated that you found this explanation to be satisfactoryHere at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Complaint: [redacted] I am rejecting this response because:I have the original copies of the two filed Police Reports which do indeed show Avant as one of the Creditors I was disputing because I also have the ongoing documentation that was not provided to you by the [redacted] Credit Bureau concerning this urgent matter "I do, have the Snipping Photo Copies I made directly from my Credit Report with [redacted] Credit Bureau!" I also provided, two or three of my Bank Statements that show I finally did settle the account under a, "Agreed Settlement Contract because Avant continued to report late payments when I was making them, "Even to the event that after the fact in which [redacted] Credit Bureau allowed them to do this which should be considered illegal as I informed [redacted] on numerous occasions that Avant was still charging me on this account up till the last weeks of April, and we had settled this account on December 8th, 2015! So, I ask why is it alright that [redacted] Credit Bureau get to exclude this type of behavior by Avant Inc, yet when I try to state my facts they are not accepted! This should not be allowed as it did effect my credit report as I will be faxing you over the documents for you all to see as I can see that [redacted] Credit Bureau did not provide this most important information to you all and they should have In fact, aside from the fact that [redacted] allowed Avant to go on making repeated changes up to four months after we settled this account if you study the police as well you will see that Avant is listed on the very top of those accounts I filed as being fraudulent as that is what was going on! "At one point, [redacted] 's Dispute/Fraudulent Supervisor informed me that as long as they had fixed all the problems they saw nothing wrong with what had occurred! So, again, is this some type of double standard business code of ethics because if is, "I find it to be very illegal per the, Consumer Law in the Truth and Lending Acts! Why, did they allow Avant to get away with this and I am being punished for what I did correctly! "I seriously would like to know why [redacted] Credit Bureau did not provide you with the very factual documents that I supplied to them to show them the illegal business practices of Avant Credit! I am not only disputing the so called, "Late Payments" that I could only supply a few of my bank statements but I am disputing the very fact that, "My Rights were violated by Avant and [redacted] Credit Bureau as I mentioned, up to four months after the account was suppose to be, "Settled and Closed!" I find this business behavior to be unethical, unprofessional and illegal;" YET, I am not to say a word about it?" I will provide via fax all the, Snipping Photos I made while [redacted] allowed this to go on!" "Is these ongoing activity, not a violation of my consumer rights under the Law? "I also, received from Avant Credit, in August 2016, a Tax Document that clearly states that the account was, "Closed!" And in this Tax Document from Avant, it states I should file it as 1099? "This too does not even make sense but I am sending it to you all to see that I am telling you the truth! My main question and concern is why, "Is both Avant and [redacted] Credit Bureau allowed to conduct such time business? And make claim that my records I provided to them do not show Avant in the Police Reports or nor do they have the documents I am going to be sending you to prove what went on for up to four months after this account was, "Settled and Closed!" Plus, I will also send you a copy of our Settlement Contract so you can read the writing of its contents which does in deed state, this Account with Avant is, "Forever Closed and deemed Void!" Please watch for these documents to be sent to you by me via FAX You should receive tomorrow, December 9th, I give all content to have this investigated as you will now have the documents you need! (This illegal behavior has indeed cost me a lot of money and it should not be disregarded as nothing at all because it is ethically and morally wrong in my opinion! Sincerely, [redacted] 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 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 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

Complaint: [redacted] I am rejecting this response because:You say an online request for a loan was received by AvantNot later than days after the date of receipt of a request from a victim, the institution shall provide a copy of application and business transaction records in its control regarding the unauthorized use of the identification of the victimUSC 1681g(e) On October 8, 2015, over days ago, I made a written request for the above mentioned documentsIn this Revdex.com complaint, I repeated that requestAgain, please provide for me:· Application used to request a loan from Avant.· IP address in which the application was originated Sincerely, [redacted]

Initial Business Response / [redacted] (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 AvantHere at Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.As you are aware, Avant contacted you telephonically on April 14, in an effort to address your complaintYou were advised Avant reports to the credit bureaus on a monthly basisThe files which we send to the credit bureaus contain credit reporting information for the previous monthsAs of the date of your complaint, credit reporting files for both January and February had already been released to the credit reporting agenciesAdditionally, you were informed the file for the month of March was scheduled to be sent to the credit bureaus within a week of the date of the callYou expressed that you were satisfied with this explanation.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 [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 customer service to all of our customers and take all feedback seriously.As you know, on November 7, you began an online loan request via www.Avant.comOn November 24, 2015, this loan request expired due to inactivityAccordingly, that same day you received an expired application notice via e-mail inviting you to reapply at your convenience.On December 4, 2015, you initiated a second loan request which was inadvertently declined and caused you to receive a Notice of Adverse Action due to an isolated system issueWe apologize for any inconvenienceThat same day, you contacted Avant regarding this notice and were subsequently informed that you were still eligible to apply for a loan at your convenienceLater that same day, you initiated a third loan request, which was completed on December 8, On December 9, 2015, your loan request was approved and funds were deposited into the bank account on file on or around December 10, Accordingly, 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 [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 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, the issue regarding your account was resolved telephonically on December 8, and you indicated that you were satisfied with the resultWe apologize for any inconvenience.We trust this explanation resolves this matterHere at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you Sincerely, Avant Compliance Department

Complaint: [redacted] I am rejecting this response because: The documents referred to in this reply did not exist until I filed this complaintNo information was made available to me on the dashboard No one has calledNo one has made any attempt to work with meI believe Avant has not disproved you are a predatory lender and my decision to not pay more money into your scam still standsI will not be given the run around, played with nor accept manufactured documents Sincerely, [redacted] ***

Final Consumer Response / [redacted] (2000, 5, 2015/05/06) */ Re: Revdex.com Complaint Case# [redacted] (Ref#XX-XXXXXXXX-XXXXXXXX-X-XXX) message [redacted] Tue, May 5, at 10:PM To: "Revdex.com (Do Not Reply To This Email Address)" They credited and closed the account as requested I've tried to close the issue multiple times but your site keeps timing out in [redacted]

Dear Richardson [redacted] ,We are in receipt of your rebuttal with the Revdex.com (Complaint ID # 10983136)As you are aware, on December 3, you requested a payoff quote for the loan balance effective December 7, Accordingly, you were provided an amount of $13,which represented your remaining balance assuming your scheduled installment payment of $was also made on December 7, As we have communicated, both amounts were required to be paid in order for the full balance of your loan to be satisfiedThat same day, you received an e-mail titled “ATTENTION: Payoff Quote - Avant Customers” which outlined that payoff quotes assume all scheduled payments will be made up through and including the quoted payoff date.As previously explained in the phone call on December 14, 2015, payoff quotes are subject to changeInterest accrues daily on the remaining principal balance of your loan, which can result in your total loan balance changing each dayAccordingly, payoff quotes for different dates can be for different amountsTherefore, your payoff quote for December 7, in the amount of $13,differed from the payoff quote for December 10, in the amount of $13,866.20.Payments are applied first to outstanding charges, if any, then to accrued interest, and then to principalLoan balances quoted in payoff quotes only include interest that has accrued on your principal balance up through the quoted payoff dateAs detailed in Avant’s initial response to your Revdex.com complaint, Avant elected to issue a courtesy refund for the difference between the payoff quoted for December 7, in the amount of $13,and the Automated Clearing House (“ACH”) payment scheduled December 10, in the amount of $13,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