Avant, LLC

Complaint: ***
I am rejecting this response because:1. Avant's response to my assertion that they did not inform me as required by law that in spite of accepting their offer of a temporary reduced payment that I would be reported late to the credit bureaus. Had I been properly informed, I could have rejected their offer and made other arrangements. Avant speaks of this frivolously, callously stating that although I am correct in that they did not inform me that I would be reported late for accepting their offer, they also "never said we would report you current either." This is very unprofessional and not an appropriate or legally sound argument. When accepting an offer of a payment plan from a creditor will result in negative credit reporting, the creditor is required by federal law to inform the consumer that accepting these terms will result in negative credit reporting, per the Fair Credit Reporting Act. Their failure to disclose this is a blatant violation of the fair credit act.2. Avant fraudulently led me to believe that contacting them and accepting their offer of a payment arrange would PREVENT me from damaging my credit. I have dozens of emails stating "don't expose yourself to possible negative credit reporting...Contact us at *** and a Payments Specialist will gladly assist you....multiple payment options are available." Does this statement not lead one to believe that making a payment arrangement would PREVENT negative credit? This statement is misleading and fraudulent, because according to Avant's own response to this complaint and my previous independent attempts to resolve this directly with them, they FULLY INTEND to report you late in spite of contacting them and making proper arrangements. I believe this also violates ethics rules, as well as the fair credit act.3. In Avant's reply to this complaint, they stated that even under an approved payment reduction, they "may" still report you delinquent to the credit bureaus. Their use of the word "may" implies that they also have the discretion not to report you delinquent. So basically, they are choosing to report me delinquent, even in spite of the fact that I did the right thing and attempted to honor my commitments and make arrangements to continue paying my obligation. The thanks I get for that level of fiscal responsibility is a company that claims to want to deliver the highest levels of customer service basically kicking a good customer who had no issues because they had one short period of being in a compromising position. This is anything but good customer service.They have violated the Fair Credit Reporting Act and I demand that they correct my credit reporting accordingly. Avant continues to insist that by not telling me they would report me current they have met their legal responsibility. However, I assert and INSIST that they have violated federal credit reporting law, and I continue to demand that the retract the erroneous late credit reporting
Sincerely,
*** ***

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.As you know, on May 22, 2017, 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.On June 1, 2017, you completed the application process and submitted the loan request for final reviewSubsequently, your loan request was approved that same day and funds were issued to the account on file on June 5, Please be advised that we have reviewed all relevant communications regarding your account and have been unable to substantiate your claim that you contacted Avant to cancel your loan request prior to submitting your loan request for final review.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 reportTherefore, as both inquiries were authorized and properly agreed to, we are unable to grant your request to remove them from your credit report. The administration fee detailed in your loan agreement is non-refundable after funds have been issuedThe deadline to cancel an approved loan is 4:PM CST the business day prior to the issuance date, as this is when funding files are finalized and sentAs your funds were scheduled to be issued to the bank account on file on Monday, June 5, 2017, the deadline to cancel your approved loan was Friday, June 2, As we did not receive a communication requesting that your approved loan be cancelled prior to the funds being scheduled for issuance, we are unable to grant your request to waive the administration fee. Please be advised that your account will remain open until your outstanding balance, including the administration fee, is paid in fullPer the agreed loan terms, payments are applied to outstanding charges, if any, then interest, and then to principalFurthermore, note that, per your signed loan agreement, daily interest accrues on the principal balance of your loan.Please note that Avant does not condone nor participate in any phishing activitiesWe take our responsibility to protect our customers from scams such as these very seriouslyWe are confident that we comply with all applicable state and federal rules, laws, and regulations.We trust this explanation resolves this matterIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you. Sincerely,Avant Compliance Department

Initial Business Response /* (1000, 5, 2015/06/22) */
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 issue regarding your account was resolved on June 16, and you indicated that you were satisfied with the resultWe apologize for any inconvenience
We trust this explanation resolves this matter to your satisfactionHere at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***@Avant.comWe appreciate the opportunity to serve you
Sincerely,
Avant Compliance Department

Complaint: ***
I am rejecting this response because: The representative that spoke to me stated that funds will be deposited into a bank account and did not mention about signing paper workPlease have this company to stop harassing me about an error they made or I will have my attorney send them a letter to this matterThis needs to be closed or they will receive a letter from my attorney immediately ! Thank You
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:The business does not comply with federal and state laws because as the company has stated, after being pre-approved for the loan that prompted me to proceed with the application and sign an agreement for the amount I was pre-approved for, seven days had not passed for inactivity of the application, I had been in a consistent contact with Avant as I was inconsistently driven through a process, which I was repeatedly told by Avant representatives an application is open for at least daysMarch 2016, was my last communication with Avant before an alleged email was sent to stating the application allegedly expiredApril 2016, I received a phone call from an alleged Avant representative attempting to complete my loan application because he stated the loan process was carried out incorrectly by Avant. Avant uses deceptive marketing and advertising tactics and practices, which directly violate the federal and state laws that have been reported to the FDIC and Consumer Protection Bureau
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because: Avant is reporting this in accurately
Sincerely,
*** ***

Dear Nicole ***,We are in receipt of your complaint with the Revdex.com (Complaint ID # 11085005)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant, we pride ourselves in providing excellent service to all of our customers and take
all feedback seriously.As you are aware, on January 13, 2016, you scheduled an ACH payoff payment online for January 14, Later that same day, you contacted Avant via telephone to inquire as to why the earliest date you were able to schedule this payment was January 14, During this call, you were correctly informed that ACH payments must be scheduled at least one (1) business day in advance due to the time required by the banks to process transactionsAccordingly, Avant sends the payment file to your bank one (1) business day in advance in order to ensure that the bank processes the payment on the scheduled date. Given this fact, the earliest date you could schedule a payment on Wednesday, January 13, was the following day, Thursday, January 14, Upon investigation, we have confirmed that funds were received on January 14, As this payment was correctly processed, we are unable to approve your refund requestYour account is now paid in full.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 *** ***,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 November 12th, 2014, your application for a *** installment loan through Avant was approvedPlease be advised that *** 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 October 27th, 2016, Avant was notified of your relationship with National Debt Relief, a debt management company, as your account had become severely past dueAfter receiving written authorization from you for National Debt Relief to act on your behalf, Avant and National Debt Relief entered into an agreement for your account to be settled in fullAs you are aware, as part of this agreement, if Avant received the agreed upon settlement amount by the agreed upon date, your loan would be reported to the credit bureaus as paid for less than the full balance. Please be advised that, according to our account of this interaction, the agreed upon settlement amount was $However, due to an isolated process issue, we are unable to retrieve and review the phone call in which this agreement was made to verify the agreed upon amountTherefore, as a courtesy, we will be honoring the lower settlement amount of $and have begun notifying the credit bureaus to adjust their credit reporting accordinglyPlease note that the credit reporting agencies follow their own policies of updating credit reports and it may take a few days for this update to reflect on your credit report.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 regarding this matter, 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.On April 25, 2015, you submitted an inquiry for credit with AvantThat same day, you were approved for a loan in the amount of $1,and executed a loan agreement outlining the termsIt should be noted, the terms of your loan agreement were clearly and fully disclosed on the company website, during the application process, and in your signed loan agreement.On May 26, 2015, you made an additional payment in the amount of $via paper check. On August 30, 2016, you contacted Avant telephonically and requested that Avant apply your additional payment from May 26, to your upcoming installment payment due on September 12, That same day, your account was escalated to the appropriate department to make the changes as requested. Due to an isolated process deficiency, Avant was unable to honor your request prior to your installment payment due dateAs a result, on September 12, 2016, your installment payment in the amount of $was debited from your bank account. On September 26, 2016, Avant issued you a refund in the amount of $for your September installment payment, and the additional payment you made in May of was used to cover this installment paymentAdditionally, Avant has found that we are unable to waive the remaining balance on your accountPlease be advised, the terms of your loan agreement are considered in accordance with established credit policyOnce issued, the terms are fixed until your loan is repaid in fullIf you are experiencing difficulty making payments, we advised you to contact Avant Customer Support at *** to discuss our various payment 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 [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
seriouslyOn October 19, 2014, you initiated a loan request with AvantOn October 20, 2014, your loan request was approved and you signed a loan agreement detailing the rates and terms for a 36-month, $4,installment loan with a 35.93% Annual Percentage Rate (“APR”)The rates and terms of your installment loan were clearly and fully disclosed on the company website, during the loan request process, and in your loan agreement. On July 13, 2015, you submitted a request to refinance your existing installment loanRequests for refinance are considered in accordance with the established credit policy Your request was approved on July 15, 2015, and you signed a new loan agreement for a 60-month, $5,installment loan with a 28.01% APRAs with your original loan request, the rates and terms of your installment loan were clearly and fully disclosed on the company website, during the loan request process, and in your loan agreementPlease note that the rates and terms of your loan are fixed until the loan is paid in full. On February 25, and June 9, 2016, additional requests to refinance your existing installment loan were declined, in accordance with the established credit policy.On September 15, 2016, you emailed Avant expressing your dissatisfaction with your repayment progress and revoking your authorization for payments to be debited automatically from the bank account on fileYour account was updated accordinglyAs no other payment arrangements were made to satisfy the installment payment due September 16, 2016, your account entered into a late status.Avant is confident its collections practices are in compliance with all applicable state and federal rules, laws, and regulationsWe have reviewed your account and are unable to substantiate your claim that or more calls were attempted on any day your loan has been in a late statusAccording to our records, at no time was a voicemail left by Avant in regards to a collections attempt. On October 13, 2016, Avant contacted you via email and informed you that interest was accruing on your account as detailed in your loan agreementAdditionally, you were informed that, per your loan agreement, payments are allocated first to any outstanding fees, if applicable, then to interest, and then to principalA breakdown of the payments you have made on your account as well as a copy of your loan agreement were provided for your referenceWe have reviewed your account and determined that your payments have allocated correctly, per the terms of your loan agreement. If you are having trouble making payments please feel free to contact Customer Support at *** or at *** to discuss our various payment 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 [email protected] appreciate the opportunity to serve youSincerely,Avant Compliance Department

Complaint: ***
I am rejecting this response because: The plan broke inaccurately saying that I had missed more than payments and that is inaccurateI had only been late time while on the modification payment plan which was the 12/payment and I called Jan to make it and you wanted me to make a payment that I could not afford due to your error and at the time my account was not days late.Which is what your last correspondence to me saidI then entered another plan on February with a payment due March, so if a payment was not due until then why would you report that the account was days past due for payments that were not due, if a payment was due in February then I could have made the Jan and February payment and still not have been late? You reported me days past due when there was not payment due for Jan and Feb under the modification Also I asked the customer service rep if there would be a late paymentThe plan broke due to your error not mines so I could not make a paymentI want a correction for all late payments reportedThanks
Sincerely,
*** ***

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.On October 28, 2016, Avant received your paper check payment in the amount of $9,Upon receipt of this payment, your loan was considered paid in full.On November 7, 2016, Avant contacted you via email and informed you that your refund in the amount of $was being processed and that it may take up to two to three weeks for receiptThis time frame is in place to ensure that your paper check payment clears before a refund for overpayment is issuedAccordingly, on November 15, 2016, Avant issued you a refund in the amount of $519.37. 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

*** ** *** ** *** *** ***
*** *** *** *** *** *** **
*** *** *** ***
*** *** *** * ***
*
***
** *** ** *** *** *** ** *** *** ***
** *** *** *** *** ** ***
** *** * *** *** *** *** *** ** *** ** *** *** *** * *** * *** ** *** *** *** *** * *** *** *** * *** ** *** *** *** *** ** * *** * *** *** *** *** *** ** *** *** ** *** *** *** *** *** *** *** *** *** *** ** *** *** *** ** *** *** ***
***
*** ** ***
** *** *** *** *** *** *** *** *** ***
*** ***
*
*** *** *** *** * *** *** *** *** *** *** ** *** *** *** *** *** *** *** *** *** ** *** *** *** *** *** ** ** *** *** ** *** *** *** ***
*
***
*
*** *** *** *** ***

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
seriouslyOn August 8, 2016, Avant received a paper check payment that included insufficient identifying information to apply to a customer accountIt should be noted that the check, sent via a financial institution, contained a different name, address, and bank account number than what is on file for your account. On August 9, 2016, you contacted Avant via telephone and inquired about whether the paper check had been receivedAs insufficient information was present to definitively associate the check with a customer account, you were advised that no check had been applied to your account at that time.On August 11, 2016, as the payment to pay your loan in full had not been posted to your account, your regularly scheduled installment payment was debitedOn August 27, 2016, you contacted Avant to follow up on your claim that a payoff check from your financial institution had been providedYou stated the check cleared on August 9, 2016, but had not posted to your accountDuring this call, the Customer Support specialist requested a check number for the payment, which you agreed to provide. Later that day, you emailed Avant and provided additional information regarding the paper check sent from your financial institution, including the check number for the paymentUsing the information you provided, Avant was able to identify the check in question and apply it to your account.On September 6, 2016, you were contacted via email and informed the paper check had been applied to your account with an effective date of August 8, 2016, and the payment amount provided was sufficient to satisfy your loan balance effective that dateYou were also informed that a refund for the installment payment that had processed August 11, had been approvedThis refund was issued on September 7, That same day, confirmation that your loan was paid in full was sent to the email address on file.We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [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 experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback
seriouslyAs you are aware, on February 16, you contacted Avant telephonically and requested information on how to update the bank account on file for your *** installment loan issued through 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 programDuring this call you were correctly informed of the documentation required to update the bank account associated with your loan.Please note, Avant requires documentation such as a voided check or bank statement to update the bank account on file in order to confirm the new bank account is a personal checking or savings account held in the customer’s nameOn March 15, 2017, an image of a check was provided from a different email address than what is associated with your customer accountIn response to this communication, Avant contacted you at the email address provided by you during the application process and informed you that the documentation to finalize a bank account update must be provided from the same email address associated with your accountPlease note that this requirement is in place for security purposes, and to help guard against identity theft and fraud.On March 20, 2017, you contacted Avant telephonically and our representative confirmed that your bank account had not been updated as the required documentation had not been received from the proper email addressYou subsequently contacted Avant from the email address associated with your account and provided an image of a voided check reflecting information for the bank account you wished to be associated with your accountThe bank account on file was updated as requested and confirmation of this update was provided via email. 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 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 experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback
seriously.As you know, on August 30, 2016, you contacted Avant via telephone in order to schedule your final payment on your account via credit card for August 31, Consequently, on August 31, 2016, Avant attempted to debit this payment as agreed, however the payment was declinedAs a result, your account remained open with a balance.That same day, Avant attempted to contact you via phone, however we were unable to reach youSubsequently, an email was sent to the email address associated with your account advising you to contact us in order to discuss an important matter regarding your account.On September 1, 2016, as Avant had not yet received a response, a second email was sent requesting that you contact us as soon as possibleOn September 9, 2016, a third and final email was sent requesting that you contact us at your earliest convenienceAvant did not receive a response to either of these communications.On November 11, 2016, you contacted Avant via telephone and scheduled a payment for the remaining balance of your accountThis payment was successfully debited and your account is now in a paid off status.On November 18, 2016, you contacted Avant via email with a request that any negative account history reported to the credit bureaus on behalf of your account be removedPlease note that the Fair Credit Reporting Act (FCRA) prevents us from removing any information from your credit report which is found to be accurate and completeOn November 23, 2016, after thoroughly reviewing your account, Avant responded advising you that the information reported on behalf of your account was found to be accurate and that, as a result, Avant was unable to remove the information from your credit reportWe apologize for any inconvenience this may cause.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 ***We 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 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 TransUnionAccording to our records, between
the dates of May 7, and November 4, 2015, you were sent multiple 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.On October 16, 2015, you submitted an initial inquiry for creditOn this
same date, you contacted Avant telephonically and requested to cancel your
request for a loanYour account was updated accordingly, and you were sent an
expired application notice, confirming that your request was cancelledOn November 11, 2015, you submitted a second inquiry for creditOn
November 12, 2015, as a part of the verification process for your loan request,
a three-way call was conducted between you, your bank, and an Avant
representative, in order to confirm the income reported on your loan request
It was determined during this call that your actual monthly income was lower
than your reported incomeConsequently, your loan request was declined and you
were sent a Notice of Adverse Action via email, indicating that you were not
eligible for a loanPlease be advised that we do not misappropriate customer informationFederal
regulations under the Equal Credit Opportunity Act (ECOA) require us to keep
all applicant information for a minimum of monthsAll information we gather
is used only in accordance with our privacy policy, and protected by data
encryption softwareThis software ensures that, even in the event of a
security breach, the information will be unintelligible.Additionally, we have received your request for additional information
regarding the declinePlease be advised that a list of denial reasons will be
sent to the email address on file within days of the date requestedHere 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 *** *** 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 customer service to all of our
customers and take all feedback
seriouslyAs you know, your paper check has
been applied to your account and your loan is now paid in fullOn December 9,
2015, we contacted you telephonically and you indicated that you 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
and thank you for being a valued customer of Avant 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 seriouslyAs you are aware, on August 19, 2016, Avant emailed a response to a recent inquiry you submitted regarding an August 9, charge on your account, informing you that the charge in question had been identified and a refund would be issued shortly. On August 24, 2016, a representative of the Avant Compliance Department contacted you via telephone in an effort to address your complaintYou were informed that a technical issue with one of our vendors resulted in a debit card payment, initially scheduled November 16, 2015, being initiated on August 8, and processed on August 9, During this call, you confirmed the refund detailed in the August 19, email had reached your account.Additionally, you were informed that your account was reported as 30-days past due effective May 31, in a recent credit reporting file as a result of your installment payment scheduled April 28, not having been satisfied in full by May 31, You were also informed that your account has since been reported as current for the June and July reporting periods.As expressed in the phone call, Avant would like to apologize for any inconvenience the August 9, debit may have caused.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 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.For your review, we have sent a copy of your long-term payment plan agreement, which you signed and emailed to us on July 8th, 2016, to the email address we have on file for you Please note that this document clearly and fully states that if you fail to make any one of the payments within the afforded grace period it will automatically terminate Accordingly, the payment plan correctly terminated on January 2nd, for failure to make your December 22nd, payment within the afforded 10-day grace periodAgain, as your agreement clearly states, only one payment must be missed for the plan to deactivate Accordingly, this plan was not terminated in error.Furthermore, as stated in our prior response, we have adjusted our reporting to the credit bureaus to reflect your account as current Please be assured that the negative reporting for your January period has been removed. 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