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, you contacted Avant on June 18, and paid a total of $6,via debit cardSubsequently, a payment for your remaining balance in the amount of $1,was scheduled on your Customer Dashboard to be debited via ACH from the bank account on file on Monday, June 20, As a result of the full loan balance being scheduled to be paid, no additional payments were able to be scheduled on your account and your account was marked as paid offOn June 22, 2016, the ACH payment of $1,returned, which caused your loan to reopenIn a call on July 14, 2016, a specialist explained how your previous payments had been allocated and that your remaining balance would have to be paid for your loan to be closedPer your loan agreement, payment are applied first to any outstanding fees, then to interest, and then to the principal balance of your loanOn July 15, 2016, Avant contacted you and confirmed that, as a courtesy, a payment of $1,would be accepted to satisfy your loan balance, provided this payment is received on or before August 12, 2016.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 [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 Avant. Here at Avant we pride ourselves in providing excellent customer service to all of our customers... and take all feedback seriously.Our records indicate that, on October 28, 2015, you submitted an inquiry for credit via www.Avant.com. During this process you consented to your credit report being pulled for underwriting purposes. Your loan request was denied, and you were subsequently sent a Notice of Adverse Action to the email address provided with your loan request.On November 24, 2015, you submitted a second request for credit via www.Avant.com. Once again, your request was declined, and you were sent a Notice of Adverse Action to the email address provided with your request. On November 27, 2015, you submitted a third request for credit via an affiliate, Affiliate Bros. Once again, you consented to your credit report being pulled for underwriting purposes. Your loan request was subsequently declined, and a third Notice of Adverse Action was sent to the email address provided with your request. On December 19, 2015, you submitted a fourth request for credit via an affiliate, [redacted] Your loan request was again declined, and you were sent a fourth Notice of Adverse Action to the email address provided with your request. Please be advised that these inquiries will not negatively impact your FICO score. The Equal Credit Opportunity Act (ECOA) requires creditors to notify customers, within 30 days of taking adverse action on an existing account, of the specific reasons for the action taken or the applicant’s right to a statement of the specific reasons. The Fair Credit Reporting Act (FCRA) requires additional disclosures when adverse action is taken based on information received from a consumer reporting agency. Consequently, a Notice of Adverse Action will be sent any time a loan request is declined by Avant. The notice is designed to help consumers by providing transparency to the credit underwriting process and requires the creditor to explain the reasons adverse action was taken.Additionally, we take allegations of fraud very seriously here at Avant. If you believe you have been the victim of identity theft, then at your request we can forward your information to our Fraud Department for further investigation, at which point an Identity Theft Affidavit must be completed. We also request that you send any evidence that you may have regarding your identity theft to [email protected] to assist with the investigation. Here at Avant we go to great lengths to ensure a transparent and customer focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] . We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Dear Caroline [redacted] ,We are in receipt of your complaints with the Revdex.com (Complaint ID # [redacted] and [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 June 12, you applied and were approved for a [redacted] installment loan via the Avant PlatformPlease 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 bankFederal law gives [redacted] the power to make loans to residents of other states (including the state of California) at the rates permitted by the laws of its home state [redacted] and Avant are confident that each fully complies with all applicable state and federal rules, laws, and regulations.All loan applications are considered in accordance with [redacted] 's 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 signingAs you know, on July 5, 2017, you initiated an application to refinance your current loanNote that, just like your original loan request, your request for refinance is considered in accordance with [redacted] ’s established credit policyRates are once again determined on an individual basis and are based on a number of factors including your credit score, repayment history, debt to income ratio, etcBased on the information you provided, it was determined that you did not qualify for a [redacted] product at that timeYour loan request was correctly declined and notice of the decline was provided to the email address on fileOn September 21, 2017, you contacted Avant to discuss the potential to refinance your loanAs you were correctly advised, we require refinance customers to receive at least $1,in additional fundsAlso, at least months must have elapsed from your current loan's funding date and payments on the current loan must have been made on timeThat same day you applied and it was determined that you did not qualify for a product at that timeWe have reviewed your account and confirmed that your application was declined in accordance with established policyOn November 27, you contacted Avant in order to apply a one-time courtesy to your account, which allows you to move your scheduled payment to the end of the loan’s payment scheduleSubsequently, your installment due December 14, was moved to July 15, and confirmation was sent to the email address on fileOn January 1, 2018, you contacted Avant requesting to change the due date of your monthly installmentsSubsequently, you elected to utilize a full schedule change, starting on January 18, 2018, where all payments will be scheduled for the 18th of the month for the remainder of your loanConfirmation of this change was sent via emailOn January 28, 2018, you contacted Avant, via email, for assistance with your repayment options due to your current financial situationPlease note that, you were correctly advised to call Avant to review the options available for your accountAccording to our records, Avant has not received the aforementioned phone call regarding your accountPlease be advised that, you may qualify for one or more forbearance optionsIf you are having difficulty with making payments, please contact us at 1-800-712-and one of our representatives will be glad to assist youWe 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

Initial Business Response / [redacted] (1000, 5, 2015/05/06) */ Dear [redacted] ***, We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX)We are sorry that you are dissatisfied with your customer experience at AvantHere at Avant we pride ourselves in providing excellent customer service to all of our customer and take all feedback seriously As you know, the issue regarding your account was resolved on May 5, and you indicated that you were satisfied with the resultWe apologize for any inconvenience We trust this explanation resolves this matter to your satisfactionIf 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, 2015/05/07) */ (The consumer indicated he/she ACCEPTED the response from the business.) On May 5, I finally received a call from Avant Compliance DepartmentIt took me filling out a complaint with the Revdex.com to get the Avant Compliance Department to recognize who I amAvant Compliance Department individual that phoned me, stated that there was a glitch in their computer system when I called in for my Loan Payoff on 04/01/This Payoff Phone Conversation was recorded by Avant as well as the phone conversation received on 5/5/was recordedThere was no such glitch in Avant Computer System when I called in on 4/1/for my Loan PayoffIf you think I am stupid enough to know that a $Funded Loan at $per month, that I paid $on 11/1/14, 12/1/14, 1/2/15, 2/1/15, 3/1/15, 4/1/$and 4/1/$was not paid in full on 4/1/total $4068.04, shame on you!!!! I ask and ask on 4/1/for the representative to tell me of $payment, how much goes to interest and how much goes to principleThe representative would not tell me, all the representative did was laugh at meI know there are unworthy companies in the world today lending moneyAvant needs to be shut downI have read customer complaints and I am not the only person this has happened to as far as Avant trying to get more money out of people then what is lawfulThe Compliance Representative did inform me that my Avant Online account would show paid in full and all of the remaining payments of $through 1/1/would be removedI have logged on to my Avant Online Account and my account does state paid in full and closedI also informed the Compliance Representative the Avant will report to the Credit Bureaus that my loan is paid in full and there were no late payments, since all of my payments were paid via automatic debit of my bank account, there were no late paymentsI have learned a valuable lesson in all this, stick with lending companies in your stateNow the real test will be to see how the Avant Loan ends up showing on my credit reportI have contacted my attorney and we will be looking at my credit report in the next days to make sure Avant reported correctly [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 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 via telephone on March 30, regarding this matterYou were advised that, due to an isolated system issue, the payoff quote provided to you in the amount of $6,was lower than the outstanding balance of your account, resulting in a remaining balance once your payment in this amount was processedThis remaining balance was subsequently debited on March 21, 2016, your regularly scheduled installment dateHowever, as a courtesy, this payment has been refundedAccordingly, 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] We appreciate the opportunity to serve youSincerely,Avant Compliance Department

Dear Richardson [redacted] ,We are in receipt of your complaint with the Revdex.com (Complaint ID # 10983136)Accordingly, an investigation into your account is pendingPursuant to Avant's communication with the Revdex.com, a response to your complaint will be provided no later than December 27, 2015.If you have any immediate questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11132016, and find that this resolution is satisfactory to me I did provide my account number on the check and the check stub so that was an excuse on AvantThey did NOT credit the full back interest eitherThe check did finally post though Sincerely, Jamie [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 February 13, 2017, you initiated a loan request for a [redacted] installment loan via the Avant Platform [redacted] is the credit issuer for the Avant Platform, a closed-end installment loan program, where Avant operates as the administrator and servicer of the programAll applications for [redacted] products are considered in accordance with WebBank’s established credit policy.That same day your inquiry for credit was approved and notice of this approval was provided via emailLater that same day, you contacted Avant via phone and requested that your application be cancelledYour account was updated as requested and notice of the cancelled application was provided via email on February 14, 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 website clearly disclosed and required you to acknowledge that you consented to a hard inquiry on your credit reportPlease note that we have thoroughly reviewed your account and found that Avant has not conducted credit inquires on your credit report since your loan request on February 13, We apologize for any confusion you may have experiencedWe trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely, Avant Compliance Department

Complaint: [redacted] I am rejecting this response because: The PAPER check as they called it was a CASHIER's check not a personal check A cashier's check is as good as cash! It doesn't require - weeks to clear 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, per the terms of your loan agreement, you were to make monthly installment payments over the life of the loanOur records indicate that, during a phone conversation with one of our specialists on January 15th, 2015, you verbally authorized Avant to move your January 22nd, installment payment to July 22nd, According to our records, as of today, February 13, 2017, only payments have been made toward your loan, and the final payment remains unsatisfiedTherefore, your July 22nd, payment is correctly being reported as late and will continue to be reported as so until your account is brought current.Prior to authorizing the change toward your payment schedule, you were informed that this change would result in additional interest accruing on your loanPlease note that your loan agreement states that interest on the principal balance of your loan will accrue daily at a rate of 0.17808219%As a result, any payment deferred or made after its original due date may result in the accrual of additional interest than what was outlined in your loan agreementAs a courtesy, we have sent a copy of your loan agreement to the email address associated with your account.Please note that $must be paid in order to close your account In order to schedule a payment for this amount, please contact 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 [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.According to our records, you submitted an inquiry for credit via [redacted] on June 2, That same day, you were subsequently pre-approved for a loan from [redacted] , an FDIC-insured state-chartered bank located in UtahPlease be advised that [redacted] is the credit issuer for the Avant Program, which is a closed-end installment loan program where Avant operates as the administrator and servicerFederal law gives [redacted] the power to make loans to residents of other states (including the state of Massachusetts) at the rates permitted by the laws of its home state [redacted] and Avant are confident that each complies with all applicable state and federal laws, rules, and regulations.On June 2, 2015, you executed a loan agreement for a loan in the amount of $14,at 28.00% Annual Percentage Rate (“APR”) over a period of monthsFunds were deposited into the bank account on file on or about June 3, 2015.All loan requests are considered in accordance with [redacted] ’s established credit policy, and the terms of the loan were clearly and fully disclosed on the Avant website, during the loan request process, and in the customer’s loan agreementAccordingly, we are unable to decrease the APR of your loanIf you are having difficulty making payments, we encourage you to contact Avant Customer Support at [redacted] to discuss various repayment options.We trust this explanation resolves this 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 Compliance [redacted] We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Dear [redacted] ,We are in receipt of your complaint with the RevDex.com (Complaint ID # [redacted] ). We are sorry to hear that you are dissatisfied with your customer experience. At Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback... seriously.As you are aware, on February 24, 2017, you applied and were approved for a [redacted] installment loan via the Avant Platform. [redacted] is the credit issuer of the Avant Platform, a closed-end installment loan program, where Avant operates as the administrator and servicer of the program. According to our records, on October 27, 2017, you submitted a payment via your customer dashboard. During this process, you were required to select the method in which you would like to apply your payment. Please be advised that our records indicate that you elected to apply this payment as an additional payment, meaning it would not decrease your monthly installment amount and would still require you to make your monthly payment as scheduled. Accordingly, your account was debited for $375.99, and this amount was applied as an additional payment. Consequently, on November 1, 2017, your account was debited to satisfy your monthly installment due that same day. As you are aware, your monthly installments are scheduled for the 1st of every month or the business day thereafter. Please be advised, by selecting the ACH repayment option on your loan agreement, you authorized Avant to initiate an automatic electronic debit to the checking account you provided for each of your monthly installments. At no point did you request to opt out of this electronic debit authorization. Accordingly, we were unable to grant your refund request as your account was debited as authorized and the payment was appropriately applied to your account.As a courtesy, on November 9, 2017, Avant provided the opportunity to apply this payment to your upcoming installment due December 1, 2017. At this time, you rejected the offer and elected to move forward with awaiting a decision for your refund request, which was subsequently denied on November 20, 2017. According to our records, your November 1, 2017 installment payment was returned on November 27, 2017 with a return code of R10. This return code indicates that your bank returned the payment because of a claim that the originator of the transaction was not authorized to debit this account. Accordingly, the bank account on file has been marked as invalid and Avant will make no further attempts to debit this account. If you have not done so already, please contact us to arrange an alternative form of payment for your upcoming installment due December 1, 2017 in the amount of $375.99. In addition to updating the bank account on file to continue making ACH payments, we also accept payment by credit card, debit card, paper check, and money order.We trust this explanation resolves this matter. At Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [email protected]. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Dear *** *** Thank you for your commentsWe are sorry to hear that you are dissatisfied with your customer experience.As you are aware, on October 25, 2016, you contacted Avant and requested a payoff quote for your account balance effective November 1, Avant provided you with a payoff quote of $9,effective that date. On October 28, 2016, Avant received a payment of $9,Please note, the payoff balance for your account effective October 28, was $9,245.63. Upon review of your account, we have determined that the overpayment of your account balance was processed in accordance with company policyAs you were correctly informed in a call on November 11, 2016, refunds for overpayment of your account balance can take two to three weeks to process and issueYour refund of $was issued on November 15, 2016. 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

Dear *** *** *** We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)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. On March 15, 2016, you submitted an inquiry for credit at www.Avant.com via a marketing affiliate, Credit SesameBased on the information you provided, you were pre-approved for a loan from *** via the Avant Platform, pending final verificationPlease note, the loan request process clearly discloses that loan funding is subject to final verification of the information submitted. Later that day, you contacted Avant regarding your loan requestDuring this call, the specialist asked if you were able to provide additional verifiable income which you declinedThe specialist also properly informed you that no further information would be required prior to a decision being reached. Upon evaluation of the verified information, your loan request was deniedAccordingly, a notice of adverse action has been sent to the e-mail address on fileIf you would like a statement of specific reasons for why your loan was declined, please contact Avant at [email protected]. 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

Dear *** ***, Thank you for your comments with regard to your complaint with the Revdex.com (Complaint ID # ***We are sorry to hear that you remain dissatisfied with your customer experience.As previously communicated, on October 13th, 2016, you agreed to a payment plan agreement with Avant to reduce your monthly installment amount from $to $ As part of that agreement, you acknowledged that the payment plan would be terminated if any payment was not satisfied within days of its original due date Please note, this condition was clearly and fully disclosed to you prior to your enrolling in the payment plan as well as in the confirmation email sent to you thereafter. Please be advised that, upon further investigation, we have found that your payment plan agreement should have deactivated on December 24th, for failure to make your full December 14th, payment within the afforded 10-day grace periodDue to an isolated system issue, which was subsequently corrected on January 23rd, 2017, your payment plan was not terminated at the appropriate timeHowever, when this isolated system issue was corrected, your payment plan agreement was properly deactivated due to your missed December 14th, and January 14th, payment plan paymentsTherefore, your loan has correctly reverted to its original installment schedule If you would like to schedule a payment or re-evaluate your eligibility for a second payment plan agreement, please contact our Payments Department at *** 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 ***We 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 ***, and find that this resolution is satisfactory to me
I really, really appreciate the Revdex.com getting involved and helping to resolve this matter! I look forward to getting my refund by mid-MarchI'm very thankful that Avant decided to refund my payment and I have learned a lesson from this. Which is to have a payout quote in writing confirming that NO other payments are needed
Sincerely,
*** ***

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

Initial Business Response /* (1000, 5, 2015/07/28) */
Dear *** ***,
We are in receipt of your complaint with the Revdex.com (Case # XXXXXXXX)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant we pride ourselves in providing
excellent customer service to all of our customers and take all feedback seriously
As you know, the Avant Compliance Department contacted you, telephonically, to resolve this matter on July 21, At that same time, you were assisted in scheduling your payoff payment and an e-mail confirming your scheduled payment was sent to your e-mail address on fileAdditionally on July 21, 2015, a payment breakdown showing the allocation of your payments was e-mailed to your e-mail address on file
Upon resolving the issue, you indicated that you had no further concernsYour loan is in a paid off status at this time, and a paid off letter has been mailed to your residence address on file, per 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 ***@Avant.comWe appreciate the opportunity to serve you
Sincerely,
Avant Compliance Department

Dear *** ***, We are in receipt of your complaint with the Revdex.com (Complaint ID # ***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 11, 2015, you initiated a loan request for a *** installment loan via the Avant Platform*** 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 *** products are considered in accordance with ***’s established credit policy.That same day your inquiry for credit was approved and notice of this approval was provided via emailThe rates and terms of your loan were clearly and fully disclosed on the company website and in your loan agreement. Please be advised that, in our efforts to keep your account current and out of collections so as to ensure that you are not charged any additional late fees, and to help prevent you from being reported negatively to the credit bureaus, we may attempt--up to two times--to obtain any missed installment from your nominated bank accountThis is referred to as a 'Re-initiated Scheduled Payment' and, per your contract, we received permission to take this action with your ACH authorizationAccordingly, on February 24, 2017, a re-initiated payment was debited from the bank account on file due to your returned February 16, installmentNote that this is the most recent successful payment made to Avant on behalf of your account, as each of your future payments were returned unpaid.On April 3, 2017, you contacted Avant via phone and received a payoff quote in the amount of $1,for that same dayPlease note that we have reviewed this call and found that at no time were you advised that re-initiated scheduled payments would not occur moving forward, nor were you discouraged from sending a payoff payment via mail. Additionally, after thoroughly reviewing your account, we have been unable to substantiate your claim that you contacted Avant in order to change the due date of your June installment paymentOn June 16, 2017, per the terms of your loan agreement, Avant attempted an ACH payment in the amount of $from the bank account on fileThat same day the payment returned with a return code of [R08], which indicates a stop payment request was placed on the transactionFurthermore, please note that we have been unable to substantiate your claim that a re-initiated scheduled payment was attempted on the bank account on file in June of 2017.Please be advised that, on July 27, 2017, your account was sold to Sherman Originator III LLC, a debt buyer, as the account had become severely past dueAccordingly, please contact Sherman Originator III LLC at *** for information regarding the status of your account or to make a payment. We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely, Avant Compliance Department

Dear *** ***-***,We are in receipt of your complaint with the Revdex.com (Complaint ID #***)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 16, 2017, you initiated an application to refinance your current *** installment loan via the Avant Platform*** is the credit issuer of the Avant Platform, a closed-end installment program, where Avant operates as the administrator and servicer of the programBoth *** and Avant are confident we comply with all applicable state and federal rules, laws, and regulations.During this process, you consented to your credit report being pulled for underwriting purposes, as well as consenting to electronic communicationsPlease note that a 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 processAccordingly, we will be unable to remove this inquiry as it was performed as authorized.We believe our marketing practices are fair and equitablePlease be advised that, just like your original loan request, your request for refinance is considered in accordance with WebBank’s established credit policyRates are once again determined on an individual basis and are based on a number of factors including your credit score, repayment history, debt to income ratio, etc. We have reviewed your account and found that, due to an isolated process issue, your application for refinance may have been incorrectly evaluatedThis issue has been corrected and you should have received official correspondence regarding the decline via emailUpon review of your account, we have confirmed we are unable to offer you a product at this time, per the established credit policyWe apologize for any inconvenience this may have caused.Please note that, a list of denial reason will be sent to the email address on file within daysYou are welcome to reapply, however there is a waiting period of days after being declinedBoth *** and Avant are confident we comply with all applicable state and federal rules, laws, and regulationsFurthermore, we have been unable to substantiate your claims that your calls were improperly disconnected when contacting AvantNonetheless, we apologize for any inconvenience you may have experienced during this process. We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department