Avant, LLC

Dear *** *** Thank you for your commentsWe take all feedback seriously and are always working on ways to enhance the customer experience. Please be advised that decisions regarding loan requests are not communicated over the phoneCustomers are notified of approved loan requests via an approval email, which includes a copy of the signed loan agreementIf it is determined that a loan request is declined following verification of the information provided by the customer, notice of the decline is sent to the customer via email, or, if a customer has opted out of email communication, via a notice of adverse action letter. As previously communicated, Avant has determined that your loan request did not reach a pre-approved status and at no time did an Avant representative inform you that your loan request had been approved.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 ***We appreciate the opportunity to serve youSincerely,Avant Compliance Department

Dear Cristina ***, 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 19, 2017, you contacted Avant requesting to enroll in a deferment planDuring this call, you were advised that after successfully completing your installment due January 8, within days of your payment due date, Avant would defer your past due installments to the end of your loan which would extend the term of your loanSubsequently, you agreed to the terms of the plan and confirmation of this agreement was sent to the email address on file that same day. On January 19, 2018, you called Avant to schedule a payment for your January installment and were advised that your Deferment Plan has been terminatedPlease be advised that, as a result of this payment being received outside of the 10-day grace period that you are allotted, in accordance with the aforementioned agreement, your deferment arrangement was terminated and the balance previously moved to the end of your loan agreement has become dueNote that notification of your terminated deferment plan was sent to the email address on file. After thoroughly reviewing your account, we are unable to substantiate your claim that you were advised that you could make your payment on January 19, and still remain on the deferment planAccording to our records, Avant did not receive a second call from you regarding your January repayment dateAccordingly, we are unable to grant your request of re-instating your deferment planPlease be advised that your upcoming installment in the amount of $was moved to March 19, 2018, as agreedIf you are having difficulty making your payments, do not hesitate to contact our customer support team at 800- ***- ***.Additionally, note that Avant identified a delay in escalating your dispute, which caused the time frame in which you received a response to be longer than normalWe certainly understand your frustrationAt Avant we pride ourselves in providing excellent customer service to all of our customersWe have taken the necessary steps to ensure that situation does not occur in the futureWe sincerely apologize for any inconvenience you may have experiencedHowever, according to our records, on February 20, and February 23, 2018, Avant did in fact initiate contact via email to the email address on file regarding your disputeWe are confident we comply with all applicable state and federal rules, laws, and regulations and adamantly deny the use of any deceptive lending practices. As of your payment made on March 8, 2018, your account is in a current status and has not been reported as delinquent to the credit bureausAdditionally, note that we have reviewed your account and found that you may be eligible for one or more forbearance optionsIf you are having difficulty making your payments, please contact Avant’s Payment Department at 1-800-***-*** in order to see if you qualify. 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

Complaint: ***
I am rejecting this response because: Avant uses amortization without disclosing it and claims to have no prepayment penalty yet has applied every principal only payment and extra payments to strictly interestThey are in line with pay day lenders and should be regulated/ dealt with as such
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.According to our records, on October 19, 2014, you applied and were approved for a personal unsecured loan through Avant, with monthly payments of $234.07.On June 14, 2016, you called Avant expressing financial hardshipIn order to accommodate your unique financial situation, Avant offered and you accepted a long-term payment plan agreement that would lower your monthly payment amount from $to $187.25, contingent upon each payment being received within days of its dueOn August 16, 2016, your August 15, payment plan payment returned to Avant with a message from your bank indicating the absence of sufficient fundsIn order to assist you in preventing the deactivation of your plan, Avant’s Payments Department made multiple attempts to contact you via telephone in order to advise you of your plan’s upcoming deadline for paymentAs payment was not received within days of August 15, 2016, your plan was correctly deactivated, in accordance with your payment plan agreement.On October 3, 2016, you called Avant and expressed continued financial hardshipIn order to accommodate your financial situation, Avant offered and you accepted a second payment plan arrangement to reduce your monthly payment from $to $As was fully disclosed at the time of your enrollment, as well as in the confirmation email sent to you thereafter, if any payment was not received within days of its due date the plan would automatically terminateOn March 2, 2017, your February 28, payment plan payment returned to Avant with a return code from your bank indicating the absence of sufficient fundsOn March 3, 2017, to assist you in preventing the deactivation of your plan, Avant advised you via email that, if payment was not received by March 10, 2017, the plan would deactivateAs payment was not received, the plan was automatically deactivated on March 11, 2017, in accordance with the terms of your payment plan.On March 24, 2017, you called Avant and expressed continued financial hardshipIn order to accommodate your financial situation, Avant offered and you accepted a multi-part settlement plan that would fully settle your loan upon completion of a payment in the amount of $on April 7, and five subsequent monthly payments in the amount of $358.33, beginning on May 15, As was disclosed at time of enrollment, as well as in the confirmation email sent thereafter, if the April 7, payment was not received by that date, or any of the five subsequent payments were not received within days of their due date, the settlement plan would be automatically terminated and your underlying payment schedule would be reinstatedOn May 16, 2017, your May 15, payment returned to Avant with a message from your bank indicating the absence of sufficient fundsOn May 24, 2017, Avant’s Payment Department called you in an attempt to advise of your plan’s impending deactivation if satisfactory payment was not received soonOn May 30, 2017, your payment plan was terminated as your May 15, payment was not satisfied within days of its due date.Upon a full review of your account, please be advised that Avant has confirmed that all three plans were properly deactivatedAdditionally, Avant has confirmed that all debited payments were attempted in full accordance your signed loan agreementNevertheless, please note that you may still eligible for a settlement arrangementIn order to evaluate your eligibility, please give us a call at 1-800-***-*** and one of our friendly, understanding specialists will 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 *** Department directly at ***@Avant.comWe appreciate the opportunity to serve you.Sincerely,Avant *** 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
Sincerely,
*** ***

Dear *** ***
We are in receipt of your complaint with the RevDex.com (Complaint ID # ***)We are sorry to hear about your
experienceHere 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 September
12, 2015, an online request for a loan was submitted with your informationThat
same day, the loan request was declined and Notice of Adverse Action was sent
to the email address associated with the inquiryOn October 16, 2015, Avant received a letter via
postal mail from you regarding your identity theft claim Here at Avant, we take allegations of fraud
very seriouslyIn order to begin a thorough fraud investigation, an individual
must submit a written request including proof of identity and an executed FTC
Identity Theft AffidavitUpon receipt of your letter, your account was
immediately escalatedLater that same day, a letter outlining the fraud
investigation process along with a copy of the FTC identity theft affidavit was
sent via U.Smail to the address provided by youThis letter advised you that
an inquiry for credit was received by Avant via ***, and that the loan
request was subsequently declinedThe letter also included instructions to
complete the attached FTC identity theft affidavitOn November 2, 2015, you submitted a completed
affidavit, as well as a copy of a police report and your driver’s licenseAccordingly,
the account on file was appropriately updated and notice was sent to the
relevant credit bureaus to remove the inquiry from your credit report.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 Percy ***,We are in receipt of your complaint with the Revdex.com (Complaint ID # 11120947)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, on January 26, 2016, you submitted an inquiry for credit via www.Avant.comAt this time, you provided consent to have your credit report pulled for underwriting purposesIt should be noted that this credit inquiry did not affect your FICO credit score. You were subsequently pre-approved for a loan in the amount of $1,that same dayPlease be advised that all pre-approvals are subject to final verification of the information submittedAccordingly, Avant contacted you telephonically to inform you that, as a part of industry-standard verification checks, additional documentation was required to confirm the information that you provided in your loan request. On January 27, 2016, you contacted Avant telephonically and indicated that the majority of your income is deposited into a bank account other than the account on fileAvant informed you that, for verification purposes, the account on file must be the account into which the majority of your income is depositedAccordingly, documents were again requested in order to complete this processAvant did not receive any of the requested documentation after several attempts to assist youConsequently, on February 2, 2016, your loan request expired due to inactivity.Please be advised that Avant does not require customers to utilize the online verification toolThough the tool is an industry-standard option provided as a way to verify income, Avant also provides additional methods for customers who choose not to utilize the toolThough your loan request has been cancelled as of this time, you are welcome to reapply if you choose to do so.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 (Case #***)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.Please be advised that,
in order to protect your privacy and account information, Avant is unable to
provide any information to unauthorized third parties regarding our customers’
accountsWe apologize for any inconvenience this may causeAccording to our records,
your installment due on October 20, was successfully madeConsequently,
you have not been charged a non-sufficient funds fee by AvantHowever, as a
courtesy, Avant is willing to reimburse you for any non-sufficient funds fees
assessed by your bank due to this paymentPlease submit a bank statement
showing the full amount of the fees so that Avant may process your
request. Here at Avant we go to
great lengths to ensure a transparent and customer focused experiencePlease
do not hesitate to contact our Compliance Department directly at
Compliance@Avant.*** with additional feedbackWe 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 service to all of our customers and
take all feedback seriouslyFurthermore, we are confident we comply with all applicable state and federal rules, laws, and regulations. According to our records, on November 10, 2014, you submitted a loan request via www.Avant.comOn November 18, 2014, you were approved for a loan in the amount of $1,and executed a loan agreement. On April 12, 2015, you contacted Avant to inquire about refinancingAt this time, you were provided with a link to our refinance request pageUpon submission of your refinance inquiry, it was determined that you did not qualify for refinancing at that time, and you were subsequently sent a Notice of Adverse ActionPlease note that just like your initial loan request, refinance requests are considered on an individual basis and are based on a number of factors including, but not limited to, your credit score, repayment history, and debt to income ratio. On April 20, 2015, Avant attempted to debit your regularly scheduled installment payment in the amount of $On April 22, 2015, this installment payment returned due to insufficient fundsAccordingly, your account fell into a “late” status. On May 20, 2015, Avant attempted to debit your regularly scheduled installment payment in the amount of $On May 22, 2015, your installment payment for the month of May returned, and your bank indicated that the bank account on file was no longer validAs a result, Avant was unable to attempt further debits to satisfy payment from this account. This same date, you contacted Avant via telephone to make a partial payment toward your past due balanceA payment in the amount of $was made towards this balance via credit cardDuring this call, Avant also requested documentation in order to update the bank account on filePlease note that this documentation has not been received and, as a result, the bank account on file remains invalid. On September 9, 2015, Avant received a letter indicating your dissatisfaction with your decline for refinancing, as well as an allegation that Avant would not accept a payment lower than your full past due balance.On September 21, 2015, Avant responded via e-mail advising that your inquiry for refinance was appropriately declined and explaining that, on May 22, 2015, you contacted Avant telephonically and were able to make a partial payment toward your past due balanceAt no time did Avant refuse to take a payment for less than your full past due balance. Please note that customers are able to make payments from the bank account on file via their Customer Dashboard at any timeHowever, since the bank account on file remains invalid, you will be unable to make payments via this bank account until the account is updatedAs you were previously advised, you may update your bank account by contacting Customer Support at ***, or by providing the requested documentation via e-mail to [email protected], if you are having difficulty making payments, our Payments team would be happy to provide you with information regarding our various repayment options.Additionally, we have reviewed the credit reporting for your account and have confirmed that the information reported on behalf of your account is accurateUnder the Fair Credit Reporting Act, Avant is unable to remove or modify any information submitted to a consumer reporting agency if the information is found to be complete and accurateConsequently, we will be unable to honor your request to modify the credit reporting for your account.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 ***We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Initial Business Response /* (1000, 5, 2015/09/24) */
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
Please be advised that an update was filed with the credit reporting agencies on September 23, reflecting the successful completion of your long term payment planIt should be noted that the credit reporting agencies follow their own policies of updating credit reports and it may take a few days for this update to reflect on your credit reportWe apologize for any inconvenience
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 experience with AvantWe pride ourselves in providing excellent service to all of our customers and take all feedback
seriously.Please be advised, Avant does not limit customers to only making monthly installment paymentsAll customers have the flexibility to make early or additional payments at any time, without incurring prepayment penaltiesWe encourage our customers to make additional payments whenever possible, as these payments may help decrease the principal balance of the loan, in turn decreasing the amount of interest which accrues over the life of the loan.Further, we have investigated each call you made, on July 17, 2015, September 4, 2016, January 15, 2016, and March 23, 2016, where you indicated you were having trouble scheduling payments via the Customer DashboardAvant did not identify any system issuesAdditionally, during the call on January 15, 2016, the customer service representative walked you through the process to schedule payments via your Customer Dashboard and did not identify any issues. We apologize for any inconveniencePlease note that, in addition to the Customer Dashboard at www.Avant.com, early or additional payments may also be made by contacting Avant Customer Support at *** via e-mail, or via online chat at www.Avant.com in the event that you experience issues with the Customer Dashboard. 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.SincerelyAvant Compliance Department

Initial Business Response /* (1000, 5, 2015/09/01) */
Dear ***
We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX)Accordingly, an investigation into your account is pending and we will provide a response to your complaint as soon as possibleWe
appreciate your patience and cooperation in the matter
If you have any immediate questions or concerns, please contact our Compliance Department directly at ***@Avant.comWe appreciate the opportunity to serve you
Sincerely,
Avant
Initial Consumer Rebuttal /* (3000, 7, 2015/09/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Yesterday they "fixed" the issues as they saidThey did not notify me, I just logged onto my account to check up and saw everything changedAll they did was lessen the dollar amount I owed for last month by $They did not correct the inaccurate interest charging for six months worth of 50+ days of interest per month per billing cycle when there were only and days in those billing cycle months and my payments were never late they were always earlyThat needs to be credited to my principalThey also did not correct one month where they charged me $too much in interest (somehow) which I coughed and time and notified them and they still have not put the remaining overpayment of interest $towards my principle, they just kept itAnd they still have not fixed their mistake of chargi and they still have not fixed their mistake of stating my principal is $5,(after I made $worth of payments in June of 2015) "somehow" when the maximum amount of my loan is only $and I haven't made any draws on it and almost a yearI need to correct my balance to where it is supposed to be which is $2,and apply the interest they overcharged me for which is a total of days at 60% interest and a $4,principal (I'll do the math since they can't figure it outIt's $967.26) and also credit the $I overpaid in interest for August towards my principal as wellThe total principal balance at the end of this for my august statement should be $This company has ripped me off by over charging me interest blatantly and hiding behind a blanket of " we don't have a contact phone number you can only email us" Bull
Final Consumer Response /* (3000, 17, 2015/09/18) */
Why is this closed? They didn't fix anythingI sent back a second response and it says they have until September to respond and they still have not responded just like because their customer service is ridiculous! They literally just blew me off through the Revdex.com just like they have been with everything else when it's a legitimate billing problem that is affecting me by almost $2000! I came to the Revdex.com because that's what you guys are here for because I have no way to contact them and they will not contact me back so my only option was to use you guys to help mediate the issue and nobody helped on your emd at all either! All that happened was I spent a boatload of time explaining to you guys what happened and then you just close the complaint with no resolve?
All they did was admit that they made a mistake in the billing "one time" it wasn't even true because it's been like nine months of mistakes, and then said we have adjusted everything and fix your discrepancies, but they didn't! They literally admitted to it said they would fix it notified you that it was fixed so they would clean up their name on the Revdex.com and then my balance is the exact same as it was before all of this startedI submitted the math spelled out very clearly for them of exactly what was wrong and what it should be and they completely ignored it
Nowhere at all in there did they mention that they charged me for 51, 55, 57, 59, and days worth of interest months in a row when my payments work on time every single month! And to top it off the billing statement show each one of those months or and day months except for February which is only days and somehow all of my payments were on time and they came up with days worth of interest when there's only days in the total billing cycles! THEY RIPPED ME OFF AND OVERCHARGED ME AND HOWEVER MANY OTHER CUSTOMERS THEY DO THIS TO BY DAYS IN MONTHS!!! They never once mentioned that which is the main problem In the billing!
Final Business Response /* (4000, 19, 2015/09/28) */
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, you reached out to Avant telephonically on September 16, During this call, it was explained to you that your monthly statements were correctYou were advised of your outstanding balance and you indicated that you were satisfied with the explanation
On September 19, 2015, you contacted Avant and made two payments via credit card in order to pay off your remaining balance
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 (Case ***Accordingly, an investigation into your account is pending and we will provide a response to your complaint as soon as possibleWe appreciate your patience and cooperation in the
matter
If you have any immediate questions or concerns, please contact our Compliance Department directly at [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 service to all of our customers and take
all feedback seriously.On February 23, 2016, you submitted an inquiry for credit at www.Avant.comYou were pre-approved for a loan from WebBank 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. You subsequently contacted Avant regarding an e-mail verification step of the loan request processThe Avant representative correctly informed you that, other than the email verification step, there was no further action required from you at that time.Later that same day, upon review of your loan request, Avant determined that additional verification of the income you claimed was requiredAccordingly, an Avant representative contacted you requesting documentation of your claimed incomeYou subsequently e-mailed Avant and requested your bank account information be removed, and requested that Avant no longer contact you via phone or e-mail. Please be advised that federal regulations under the Equal Credit Opportunity Act (ECOA) require Avant to keep all applicant information, including bank account information, for a minimum of monthsThese regulations prevent an institution from deleting informationPlease note, all information we gather is used only in accordance with WebBank and Avant’s privacy policies, and protected by data encryption softwareThis software ensures that, even in the event of a security breach, the information will be unintelligible. Please note, you are still eligible to apply for a loanIf you would like to continue with the loan request process, please contact Customer Support at *** or at *** to continue with the verification of the information provided in your loan request. 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 *** We appreciate the opportunity to serve youSincerely,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
Sincerely,
*** ***

Dear *** ***,We are confident we comply with all applicable state and federal rules, laws, and regulationsPer your signed loan agreement, AvantCredit of Texas, LLC is the issuer of your loanAccordingly, your loan is not governed by Utah law. In addition, no new repayment plan has been offered on your accountAs with your initial loan request, refinance requests are considered on an individual basis and are based on a number of factors including, but not limited to, your credit score, repayment history, and debt to income ratioAs you know, Avant was unable to approve your most recent request for refinance. Under the Fair Credit Reporting Act, Avant is unable to remove or modify any information submitted to a consumer reporting agency if the information is found to be complete and accurateWe have reviewed the credit reporting for your account and have confirmed that the information reported on behalf of your account is accurateConsequently, we will be unable to honor your request to modify the credit reporting for your account.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 *** ***,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 September 16, 2017, you called Avant to schedule a payment for your upcoming installment due September 18, for your *** 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 program. During this call, you were informed that an isolated process issue occurred on your account which resulted in a double charge for your September installment; as a result of this issue a request for a refund was submitted on your behalf in the amount of $We apologize for any inconvenience this issue may have caused.You contacted Avant, on September 18, 2017, for an update on the status of the requested refundYou were correctly advised during this call that refunds may take a minimum of business days to receiveIn attempt to expedite the process of your refund, another request for a refund was submitted on your behalf. Upon review of your account, we have found that the refund request was not properly submitted, which may have resulted in a delay in the processing of your refund requestPlease be advised, the issue has since been corrected and a refund in the amount of $is currently being processedNote that Avant attempted to refund your account on September 21, 2017, however, as a result of the bank account on file being closed, we were unable to complete the refundConsequently, the funds should be available via paper check within the next to weeks We are confident we comply with all applicable state and federal rules, laws, and regulations. 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 know, on January 20, 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 you signed a loan agreement detailing the rates and terms of a *** installment loanThe rates and terms of your loan were clearly and fully disclosed on the company website and in your loan agreementOn January 21, 2015, your inquiry for credit was approved and notice of this approval was provided via email.After thoroughly reviewing your account, we have found that all information reported to the credit bureaus on behalf of your account is accuratePer the terms of your loan agreement, information about your account including late payments, missed payments, or other defaults may be reported to the credit reporting agenciesThe Fair Credit Reporting Act (FCRA) prevents us from removing any information from your credit report which is found to be accurate and completeWe are therefore unable to grant your request to remove late payments from your credit reporting. Please be advised that on April 29, 2016, your account was sold to CACH LLC, a debt buyer, as the account had become severely past dueAccordingly, please contact CACH, 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 ***@Avant.comWe appreciate the opportunity to serve you.Sincerely, Avant Compliance Department

Dear Ruth-Elizabeth ***,We are in receipt of your complaint with the Revdex.com (Complaint ID # 11122360)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 February 24, 2016, you contacted Avant telephonicallyDuring this call, Avant addressed your concerns regarding your accountAdditionally, as a courtesy, Avant provided you with a Long Term Payment Plan in order to return your account to current status.We trust this explanation resolves this matterHere at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Initial Business Response /* (1000, 5, 2015/10/20) */
Dear ***
We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX)We are sorry to hear that you were dissatisfied with your customer experienceHere at Avant we pride ourselves in providing excellent
customer service to all of our customers and take all feedback seriously
Please be advised all 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
As you know, Avant was able to resolve the matter telephonically on October 13, Funds were deposited into the bank account on file on or about October 15, and you indicated you were satisfied with the result
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
Initial Consumer Rebuttal /* (2000, 7, 2015/10/21) */
(The consumer indicated he/she ACCEPTED the response from the business.)
We came to a agreement and I am totally satisfied with the company they work things out very nicely and professional would definitely recommend this company