Avant, LLC

Dear *** *** *** Thank you for your commentsOn 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, pending final verificationAs previously stated, the loan request process clearly discloses that loan funding is subject to this final verification of the information submitted prior to pre-approvalPlease be advised that Avant was unable to verify the total amount of monthly net income you reported in your initial loan requestAccordingly, you did not qualify for the requested loan amount and rate, and your loan request was declined. You are welcome to reapply, however, there is a waiting period of days after being declinedIf you would like a written explanation for why we were unable to approve your request, please contact Avant and a list of denial reasons will be sent to the e-mail address on file.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 *** ***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, the issue regarding your account was resolved on July 22, At this time, Avant informed you that your payment in the amount of $1,satisfied your installment payments through May of Additionally, Avant advised that your installment payments resumed on June 27, Following this explanation, you indicated that you were satisfied with the result We 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 [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 March 30, 2016, you applied and were approved 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 program. On August 3, 2016, you called Avant regarding updating your bank account and were correctly advised to submit a voided check or bank statementPlease note that, in order to update the bank account on file, Avant requires documentation that shows the new bank account is a personal checking or savings account in the customer's name as it appears on their account. Subsequently, as you did not submit the required documentation, your August installment payment was debited from the bank account on file, and ultimately returned with the return code of [R01]This return code indicates that your bank returned the payment due to insufficient funds being present in the account to satisfy the payment amountAccordingly, on August 8, 2016, your account became past due.On September 22, 2016, your account entered current status as you called Avant in order to process a one-time credit card payment to cover your past due balancePlease be advised we have reviewed all relevant communication and found no record of your account being paid off or of you having received any communication regarding paying off your loanDuring this call, you were correctly advised that your upcoming installment was due October 4, in the amount of $88.56. During the course of a routine audit, Avant identified an isolated issue which occurred on your account which resulted in the delay in our monthly reporting to the credit bureausPlease be advised that the information currently reflected by the credit bureaus represents your account information as of October 31, The files which we send to the credit bureaus contain credit reporting information for the previous monthsWe have found that all information reported to the credit bureaus on behalf of your account is accurateNote that the Fair Credit Reporting Act (FCRA) prevents us from removing any information from your credit report which is found to be accurate and completeWe apologize for any inconvenience this may have caused you. Please note that your account is still activeAs your October, November, December, and January installments were missed, your account once again carried a past due balance and reflected a late statusThese missed payments will result in you being reported as past due to the credit bureaus for these periodsWe advise you to contact the individual bureaus, ***, ***, and ***, for more information about how the information reflected in your credit reports impacts your credit score.According to our records, on January 30, 2017, you enrolled in a deferment plan which allows you to move your past-due installment payments to the end of the loan and results in any accrued and unpaid interest on such deferred installment payments being forgiven once the next scheduled payments are madeThat same day, you called to process a payment for your February and March installments, which locked in the terms of this planSubsequently, your payment due on April 4, was missed and the full amount of this payment was not made up within the allotted 10-day grace period, which resulted in your account entering a late status.On May 1, 2017, using your Customer Dashboard, you enrolled in a partial installment planThis payment plan breaks the total past due balance on your account into smaller payments to help return your account to a current statusAny regular installment payments that become due while your payment plan is active are moved to the end of your loan schedule to assist you in repaying the past due balance more quicklySubsequently, your payment plan payment due on June 5, was missed and the full amount was not paid within the allotted 10-day grace periodAs a result, per the terms of the plan, your partial installment payment plan was deactivated and the terms and conditions of your original contract were reinstated.On July 19, 2017, you called Avant and made a $paymentThat same day, you updated the bank account on file and scheduled reoccurring automatic payments on the 4th of each month or the next business dayPlease note, Avant has not yet received the requested voided check or bank statement that shows the new bank account is a personal checking or savings account in your name as it appears on your account. On September 14, 2017, you called Avant and request a payment arrangement due to the impact of Hurricane HarveyWe are very sorry to hear that you have been affected by Hurricane Harvey and we are glad that you and your family are safeDuring this call, you scheduled a one-time credit card payment for October 1, in the amount of your past due balance of $223.56, as your July and August installments were missedPlease be advised, in an effort to provide additional support, the Avant team offered a variety of programs to customers who have been adversely impacted by these storms, including waiving any fee(s) that may have been applied to the account from August 15, to September 30, Subsequently, the scheduled payment was returned with the return code of [R01], indicating that your bank returned the payment due to insufficient funds being present in the account to satisfy the payment amount. As of October 25, 2017, your account is open and in a late statusPlease note that we are unable to close the account as there is still an unpaid open balanceAdditionally, we have been unable to substantiate your claim that your loan has been reported to the credit bureaus as paid in fullIf you are having difficulty making your payments, please contact our payments department at 1-800-***-*** to discuss your repayment options.Lastly, note that the Fair Credit Reporting Act (FCRA) prevents us from removing any information which is found to be accurate and completeAccordingly, we are unable to grant your request to remove the information reflected on your credit reportHowever, after a thorough review of our records, Avant has filed an update for your account to the credit reporting agencies for the months following October Please be advised 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 this delay 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 you.Sincerely,Avant Compliance Department

Dear *** *** Thank you for your commentsWe are sorry to hear that you are dissatisfied with your customer experience. As confirmed during a phone call on August 22, 2016, issuance of the loan was sent via ACH to the bank account provided during the loan requestAccording to our records, this electronic transfer of funds was not returned.As you are aware, on August 26, 2016, you submitted an updated police report which specifically mentioned Avant to help verify the fraud claim, as requestedAn investigation into the claim was completed and Mr*** *** account was confirmed fraudulentAvant informed you of the finding via email on September 1, In this email, you were informed that the credit reporting tradelines for Mr*** account would be deleted.On September 6, 2016, an update was filed with the credit reporting bureaus removing the tradelines for the fraudulent account opened in Mr*** nameAs each credit reporting agency follows its own schedule in updating their reporting, please be advised that there may be a delay before the appearance of the updated information on your credit reports. 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11100759, and find that this resolution is satisfactory to me
Sincerely,
Jenavive ***

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 are aware, on December 1, you contacted Avant telephonically requesting a payoff quote for December 4, Upon investigation, it has been determined you were provided with an accurate mailing address for submission of payments via paper checkDuring this call, you correctly repeated the proper mailing address back to the specialist confirming it had been successfully communicated to you. On December 23, 2015, you contacted Avant regarding the status of your payment sent via paper checkYou were informed your payment had not been receivedYou provided Avant with additional information pertaining to the payment including, but not limited to, the address where the payment was sentAvant informed you the matter would be investigated and you would be contacted shortly.Subsequently, Avant contacted you on December 24, confirming your paper check payment had not been receivedMoreover, you were advised that, based on the information provided by you on December 23, 2015, you did not send the payment to the address provided to you on December 1, 2015. Avant reiterated this information in a phone call on January 6, where you subsequently scheduled a payoff payment via ACH for January 7, 2016.Please be advised that at no time did Avant receive a payment via mail for the quoted payoff amount or any other amount, nor did Avant provide any incorrect information which would have prevented you from successfully submitting a paymentAccordingly, Avant is unable honor your request to waive the interest that accrued through January 7, 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 [email protected] appreciate the opportunity to serve youSincerely, Avant Compliance Department

Dear Lafayette ***, We are in receipt of your complaint with the Revdex.com (Complaint
ID # 10976393)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, an authorized user on
your account contacted Avant telephonically on December 9, They were
advised that a paper check in the amount of $was received by Avant and
applied to your account, effective November 24, Please be advised that,
due to the bank holiday, the time frame for processing paper check payments may
have been delayedWe apologize for any inconvenience this may have causedAdditionally, please note that all
paper check payments will be applied to your account effective the date they
are received by AvantThis ensures that no additional interest or unearned late
fees are assessed to the accountAt this time, your account is opted
out of automatic recurring paymentsAccordingly, all paper checks posted to
your account will automatically be applied to your upcoming installmentsHere 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 *** ***
Thank you for your comments with regard to Revdex.com Complaint ID # *** We are sorry to hear that you remain dissatisfied with your customer experience. As stated in our initial response, on November 30, 2015, 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, during the application process, and in your Truth-in-Lending disclosures and loan agreement. Your loan request was subsequently approved and a notice of the approval titled “Congratulations! Your Avant Loan has been Approved” was provided via email on November 30, This email included a copy of your signed loan agreementYour loan agreement is also available to you by logging into your Customer Dashboard at www.Avant.com, selecting your loan, and clicking “Contracts”. On August 30, 2016, you agreed to a payment plan arrangement that Avant offered you after you contacted Avant telephonically and expressed that you were unable to meet your agreed monthly payment obligationsThe terms of this payment arrangement were clearly disclosed to you during this callThat same day, Avant sent you an email titled “Your Avant Payment Plan Agreement” which included a link to the agreed payment plan terms.On May 14, 2017, Avant sent additional copies of your signed loan agreement and the agreed payment plan terms via emailAs you were informed in the response to the Revdex.com complaint, your payment plan terminated on May 7, due to Avant not receiving a payment within ten days of its due date, per the terms of the planFollowing the termination of your payment plan, all terms of your underlying loan agreement were reinstated. On May 15, 2017, you contacted Avant and a Customer Support representative attempted to assist you with scheduling a payment of the past due balance on your accountDuring this call, the representative informed you that the past due balance on your account existed due to the termination of your payment planThe specialist also provided a payoff quote of the total balance of your loan effective May 15, 2017, under the terms of the loan agreementPlease note that interest accrues on a daily basis on the principal balance of your loan, per the agreed terms. As mentioned in our previous response, if you are having trouble making payments, please feel free to contact Customer Support at *** or at ***@Avant.com to complete an assessment of your financial situation and discuss potential forbearance optionsThis assessment is also available via your Customer DashboardPlease note that, until a review of your financial situation is completed, we will be unable to assist you with other potential forbearance options which may be available for your account. 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 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 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 *** is the credit issuer
for the Avant Program, which is a closed-end installment loan program where
Avant operates as the administrator and servicerAll loan requests are
considered in accordance with ***’s established credit policyRates are
determined on an individual basis and are based on a number of factors
including the individual’s credit score, income, debt-to-income ratio and
repayment history. We have reviewed the account and confirmed that on
January 13, 2015, you submitted an inquiry for creditThat same day, you
executed a loan agreement for a *** loan in the amount of $6,at
35.94% Annual Percentage Rate (“APR”) over a term of months, and
subsequently received a notice of approval containing a copy of your executed
loan agreementOn or about January 16, 2015, funds were deposited into the
bank account on file.Please be advised that, per your loan agreement, payments
are applied first to outstanding charges, if any, then to accrued interest, and
then to principalUpon completing a thorough investigation, it was confirmed
that your payments have been properly allocatedWe are confident we comply with all applicable state
and federal rules, laws, and regulationsThe terms of the installment loan
were clearly and fully disclosed to you on the www.Avant.com website, during
the loan request process, and in the loan agreementAccordingly, we are unable
to honor your request to decrease the APR of your loanIf you are having
difficulty making payments, we encourage him to contact Customer Support at
*** 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 ***We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Dear *** ***
Thank you for your commentsOn January 12, 2016, you contacted Avant telephonically and requested a payoff quote effective February 22, When the payoff quote was provided, Avant specifically stated that the quote did not include your February installmentAdditionally, Avant contacted you via e-mail that same day stating that your payoff quote assumed you would make your February installment.On January 26, 2016, you contacted Avant telephonically to apply a grace period to your February installment that was due February 1, Avant complied with your request and your February installment was deferred to February 11, Although your installment was moved, Avant advised you at that time that your payoff quote assumed you would make scheduled installments.On February 11, 2016, you failed to make your installment payment in the amount of $As such, an outstanding balance remains on your account.Upon receiving a payment for your outstanding balance, your account will be marked as paid in fullIn order to make this payment, please contact Customer Support at *** and one of our specialists will be happy to help you.We trust this explanation resolves this matterHere at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Complaint:
I am rejecting this response because: Avant was sent via fax bank statement showing the NFS fees and the negative balance that was a reflection to the funds being pulled, Avant informs in complaint that they are willing to refund and cover the fees however it's been almost weeks since faxing the bank statement / documents and Avant has yet to honor their statement.
Sincerely,
David ***

I do not believe they are being truthful with what they are sayingI believe that after I made arrangements for a lower payment plan that I made all payments on time and they raised my min payment without notice or too my knowledge

Dear Lytrell ***,We are in receipt of your complaint with the Revdex.com (Complaint ID # 11096092)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.According to our records, on December 8, 2015, you submitted a loan request via www.Avant.comOn this same date you were approved for a loan in the amount of $6,and you signed your loan agreement. On December 23, 2015, you contacted Avant via e-mail and stated that you received a promotional offer in the mailThis offer states that, if you are successfully approved for a new loan and subsequently make your first payment on time, you will be eligible to receive a $*** gift cardAvant responded that same day advising you that only new loans are eligible for this promotional offer, and that the promotional code must be applied prior to approval in order to be honored. Later that same day you contacted Avant via online chat and again requested that the promotional offer be applied to your accountYou were again advised that all promotional codes must be applied prior to approval, and therefore you were not eligible to receive a gift card. On January 11, 2016, you made your first installment payment on timeOn January 16, 2016, you contacted Avant via e-mail claiming that you were advised you would receive an *** gift card if your first installment payment was made on timeAvant responded that same day, again advising you that you were not eligible for a gift card as the promotional offer had not been applied to your account prior to approvalYou subsequently responded stating that you were informed by a representative via chat that you were eligible to receive a promotional gift cardPlease note Avant has no record of any representative advising you that this promotional offer would be honored. Please be advised that all promotional codes must be entered when upon submission of a loan request in order to be successfully applied to your accountHowever, as a courtesy, Avant will honor the promotional offerAn email has been sent to the email address on file with detailed instructions regarding the redemption of your gift card code. 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.On November 10, 2015, you submitted an inquiry for credit with Avant via a third party marketing affiliate, ***That same day, you were approved for a loan in the amount of $3,and executed a loan agreement outlining the termsPlease be advised, the terms of your loan were clearly and fully disclosed on the company website, during the application process, and in your loan agreementPlease note, although you are welcome to apply for refinancing, customers are not provided with a disclosure during the initial loan request process advising them of their refinancing eligibility. On February 29, 2016, you contacted Avant via email 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 Action. On July 15, 2016, you submitted another refinance inquiryThat same day, it was determined that you did not qualify for refinancing and you were subsequently sent a Notice of Adverse ActionPlease note that, just like your initial loan request, refinance requests are considered in accordance with established credit policy.Upon receipt of your dispute with the Revdex.com, Avant reviewed your account and found that we are unable to grant your request to decrease the Annual Percentage Rate of your loanOnce issued, the terms of a loan are fixed until the loan is repaid in fullYou are welcome to reapply to refinance your current loan, however there is a waiting period of days after being declined.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 Dana
Gordon,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.As you know, you contacted Avant on
December 3, regarding your accountAvant advised you that you were
eligible to be reinstated on a courtesy long term payment planAvant
subsequently e-mailed you a proposed long term payment plan agreement, which
you executed on December 4, and returned to Avant on December 7, After thoroughly reviewing your
account we have found that all information reported to the credit bureaus on
behalf of your account is accurateThe Fair Credit Reporting Act (FCRA)
prevents an institution from removing any information from a consumer’s credit
report which is found to be accurate and completeWe 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 *** ***Thank you for your commentsAs your January 5, email contained substantially similar issues to those raised in your Revdex.com complaint, the issues were considered addressed by Avant’s response provided via the Revdex.com on January 25, We are sorry to hear that the response did not resolve the inquiries contained in the January 5, email to your satisfactionAccording to our records, all other emails sent by you regarding your account have been responded to.Please be advised that the online payment schedule on your Customer Dashboard reflects all completed payments made to date, as well as all incomplete future payments scheduled on your accountBy logging into your Customer Dashboard at www.Avant.com, you have the ability to edit upcoming payments that are currently scheduled as well as schedule additional paymentsIf you are having difficulty scheduling payments using your Dashboard, please do not hesitate to contact Customer Support via email, phone, or chat to receive assistance.As detailed in our initial response to your Revdex.com complaint, the short term payment plan you set up via your Customer Dashboard is provided to assist you in repaying the past due balance accumulated on your accountThe past due balance exists on your account due to missed installment payments and feesThis payment plan option breaks the past due balance on your account into smaller payments, dependent on the payment frequency that you select and the payment amount that you state you can commit to making when requesting a payment plan.Upon successful completion of the short term payment plan, your past due balance is satisfied and your agreed monthly installment payment schedule resumesAny regular installment payments that become due while your short term payment plan is active are moved to the end of your loan schedule As you are aware, you have successfully completed your short term payment plan with your payment made on January 23, 2017, which was originally scheduled for January 19, As a result, your regular installment payment schedule has resumedOn January 23, 2017, you contacted Avant and utilized a courtesy payment deferment to move your regularly scheduled installment payment, originally due on January 30, 2017, to the end of your loan term. 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 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 January 13, 2017, you contacted Avant via email and requested a payoff quote for your account effective January 24, Per the terms of your loan agreement, an installment payment in the amount of $was scheduled to be made that day Avant emailed a payoff quote of $12,for the remaining account balance effective January 24, Please be advised that this payoff quote email clearly disclosed that the payoff quote assumed that you would complete all existing scheduled payments between the date the quote was provided and the quoted payoff date of January 24, Please note that the payoff quote email also explicitly listed the January 24, installment payment in the amount of $as being excluded from the quote and advised that it must be made as a separate transaction in order for your loan to be paid in full.On January 23, 2017, a paper check payment in the amount of $12,was posted to your account with an effective date of January 20, 2017, the date the payment was receivedNotice that the payment had posted was provided via emailAs no payment was provided to satisfy the installment payment scheduled January 24, 2017, the paper check payment was not sufficient to satisfy your loan balance, per the terms of the payoff quote. As the payoff quote email clearly disclosed that the scheduled installment payment due January 24, was required to be made in addition to the quoted payoff amount in order to satisfy the loan balance effective January 24, 2017, we are unable to grant your request to waive the remaining balance on your accountPlease be advised your account will remain open until your balance is paid in full.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 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
Here 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 October 29, 2015, you contacted Avant telephonically in
order to receive a full payoff quote for your loanYou were advised during the
call that the amount to pay off your loan in full was $8,944.00, as long as
payment was received by Avant by November 2, Subsequently, you advised that
you would contact Avant on a later date to schedule this paymentOn
November 5, 2015, you contacted Avant telephonically in order to schedule a
payment to pay off your loanYou were advised that your updated payoff quote
for November 5, was $9,You subsequently made a payment in this amount
via debit card, and your account is now paid in fullPlease
be advised that simple interest accrues on your outstanding balance on a daily
basis, in accordance with your loan agreementConsequently, the amount due to
pay off your loan increased between the dates of November 2, and November
5, As such, we are unable to honor your request for a refundHere
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 *** Department directly at ***@Avant.comWe appreciate the
opportunity to serve you.Sincerely,Avant *** 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 August 12, 2017, you contacted Avant and received a payoff quote of $3,for your remaining account balance effective August 14, 2017. Please be advised that we have thoroughly reviewed this call and found that you were incorrectly informed that a payoff payment had been scheduled for your remaining account balance effective August 14, At 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 experienced. Accordingly, a refund in the amount of $will be issued to the bank account on fileAdditionally, please note that your account will be marked as paid in full as of August 17, 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 *** ***Thank you for your commentsPer company policy, a
subpoena or court order is required in order to provide application information
to a third partyHere 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