AVANT

Dear [redacted] We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] )We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.As you know, Avant contacted you via telephone on March 1, regarding this matterYou were advised that, due to an isolated system issue, the payoff quote provided to you in the amount of $1,was lower than the outstanding balance of your account, resulting in a small remaining balance once a payment in this amount was processedHowever, as a courtesy, this remaining balance has been waivedAccordingly, we consider this matter resolved.Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve youSincerely,Avant Compliance Department

I took out a short term loan after starting a new job because I was short on cash and needed to pay rentAvant Credit was fast and easy and I am very satisfied with their serviceIf I had had a choice, I would have not taken out the loan because of the interest rates, but they are the same with any payday loan companyOverall, I would use them again! But hopefully, that won't happen!

Dear [redacted] ***,We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] We are sorry to hear that you are dissatisfied with your customer experience with AvantWe pride ourselves in providing excellent service to all of our customers and take all feedback seriously.On June 28, 2015, you submitted an inquiry for credit via a third party marketing affiliate, [redacted] ***That same day, you were approved for a loan in the amount of $4,and executed a loan agreement.On April 7, 2016, you scheduled your final payment for this loan via the Customer Dashboard at www.Avant.com in the amount of $3,That same day, your loan was marked as “paid off”.On April 12, 2016, you submitted a second inquiry for credit via www.Avant.com and requested a loan amount of $15,Please note that credit is determined on an individual basis and is based on a number of factors including, but not limited to, your credit score, repayment history, and debt to income ratioThat same day, Avant reviewed your inquiry and determined that we were unable to approve your requestAccordingly, Avant provided you with a notice of adverse actionOn May 10, 2016, you were provided with a list of reasons why your loan request was declinedPlease note, this list indicated you were declined based on information submitted during your loan request, and not as a result of the cool off periodUpon receipt of your complaint via the Revdex.com, Avant reviewed your account and determined that you were correctly informed of the day you were eligible to reapply via the mobile appAdditionally, you are welcome to reapply days after your loan request was declinedWe trust this explanation resolves this matterHere at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

I needed money for vehicle repairs, etcThe good news is that the loan approval process was quick and easyThe money was deposited into my checking account the next dayTheir interest rates are very highMy interest rate was 32%I knew this before I accepted the money so I can't fault them for thatI originally borrowed $10,My balance was still $9,after making seven monthly on time payments totaling $2,Like a mortgage loan from a bank, most of the payments in the beginning are applied to the interest with little to none of the payment applied to the principleThere were several months where my payments were only applied to the interestThey also cashed a check for a payment, but never applied it to the loanI had to send them proof from my bank showing that they cashed my checkThey fixed their mistake, but it was a headache to say the leastI will never borrow money from Avant againI would only recommend them as a last resortBe careful though because it will cost you a lot more in the long run like it did meThankfully, I was able to borrow the money from a family member to pay the loan off early

Complaint: [redacted] 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, [redacted] ***

I visited the Avant website to apply for a loan, after submitting the online application the response immediately came back as "Approved for up to $10,+" I checked rates for other companies, but since had done business with Avant in the past, I decided to go with a loan for $from Avant I logged into my bank account via the Avant website, verified my identity, etc I waited but did not receive a response from anyone at Avant I called and spoke with a representative regarding the loan, she said she would have to schedule a 3-way call with me and my bank to verify direct deposit I waited for the call, but after thinking about it, I called Avant bank and explained that I didn't feel comfortable with someone else on the line while I was answering my bank verification question I later received an email that Avant could not extend the loanI called to request a letter as to why I was declinedI feel Avant should not have pre-approved me if I wasn't going to et the loan

Initial Business Response / [redacted] (1000, 5, 2014/09/18) */ Contact Name and Title: [redacted] , Compliance Contact Phone: XXX-XXX-XXXX [redacted] Contact Email: [redacted] @avantcredit.com Dear [redacted] , We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX) We are sorry to hear that you are dissatisfied with your AvantCredit experienceHere at AvantCredit we value all customer feedback and use it to enhance the overall customer experience Upon receiving this complaint, we have reached out to you multiple times directly in an effort to discuss the steps we are taking to amend your account historyAgain, we apologize for any inconvenience that this matter might have caused We go great lengths to ensure a transparent, fair, and customer focused experiencePlease contact our Compliance Department directly at your earliest convenience, and we will review your account in detailIf you decide to pay off your account in full and permanently close your line of credit, we can accommodate that request as well Sincerely, AvantCredit Compliance Department

I applied for a loan and told I was approvedI submitted bank documents and personal information and without reason am told I am now not approved

Dear David [redacted] , We are in receipt of your complaint with the Revdex.com (Complaint ID # 10942391)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 your account has been thoroughly reviewed, and it was determined that you were approved for a loan on November 4, with funds set to be issued on or around November 5, You subsequently contacted Avant on the morning of November 5, 2015, indicating that you wished to rescind the loan agreement and return the funds Avant immediately accommodated this request by assisting you in setting up a payment for the full loan amount, to be debited on November 6, You subsequently contacted Avant again that same day, indicating that you had now decided to keep the loan, and requesting that this debit be cancelledPer this request, Avant attempted to cancel the debit that would return the funds and allow you to keep the loan.Due to an isolated system issue, the aforementioned debit scheduled to return the funds back to Avant on November 6, was not cancelled and the payment was debited as initially scheduledWe apologize for any inconvenienceAs you know, Avant contacted you telephonically on November 16, regarding your Revdex.com complaint and informed you of this issue.As a courtesy, Avant has offered to reimburse any fees you have incurred through your bank as a result of this issueAs discussed on November 16, 2015, Avant received confirmation that the payment was unsuccessful on November 13, 2015, and advised you that your account is now in a “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

I applied for a personal loan online through Avant's websiteRight away I was told that I was approved, all I had to do was electronically sign the contractI signed the contract and was then asked to enter my bank account information to receive the money by electric transferI entered both my routing number and account number and hit submitThe next screen popped up and told me that I wasn't approvedI was very confused because I was told I was already approved and was prompted to enter my bank account infoWhen I called their customer service, I asked to speak to a supervisor and I was put on hold multiple times and after minutes I was given a message "from a supervisor" that I was only pre-approved, not "approved, approved" I was very upset that I had given out my bank account info after being told I was approved only to be denied

Initial Business Response / [redacted] (1000, 5, 2015/09/10) */ Dear [redacted] 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 possible We appreciate your patience and cooperation in the matter If you have any immediate questions or concerns, please contact our Compliance Department directly at [redacted] @Avant.comWe appreciate the opportunity to serve you Sincerely, Avant Compliance Department Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) I would like a letter from avant signed by executive stating that the loan is PAID IN FULL and another letter stating that my bank account information has been deleted from their recordsi also would like a monetary amount of for the harrasment from bill collectors and emails regarding delinquency of my loan that was pif in april 2015, not to mention the remote deduction from my account that caused late pmts on other responsibilities.the fact that the deduction was taken from my account weeks after proof emailed that loan was paid in full and having to wait days before refund was credited back Final Business Response / [redacted] (4000, 9, 2015/09/18) */ Dear [redacted] We are in receipt of your complaint with the Revdex.com (Case # XXXXXXXX)We are sorry to hear that you are dissatisfied with your 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 communicated to you on August 26, 2015, it was determined that your loan status was inadvertently reverted to "active" rather than "paid off" due to an isolated process issueWe apologize for the inconvenience As you know, the issue has since been resolved and a refund in the amount of $was sent to the bank account on file on September 1, On September 17, 2015, Avant contacted you telephonically to confirm that you received the refund and apologize for your experienceAs such, we consider this matter resolved Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] @Avant.comWe appreciate the opportunity to serve you Sincerely, Avant Compliance Department

Avant Incstarted off great until I decided to pay them off I had very negative experience from then onInitially I had automatic withdrawals (ACH) from the company, so they would take out the amount requiredI wanted to pay more so that I can pay them off earlyI like to pay all my bills online so I go onto their website and the site would only let me pay additional funds but not the monthly amount dueI would still have to pay the amount due after that To pay that I would have to wait until the day it was dueTo me this was unfair because if I want to pay my account early I should be able to without waiting until the 18th of the monthI am accruing interest and they are making moneyI spoke with a customer service agent and he advised me to take the ACH off and pay on my own We also discussed how bad their online payment system is and he agreedI then speak with another agent on Why do I owe money for the next month when I just made two large payments After being frustrated with these issues I decided to pay the loan off Well, why did they tell me that I still owe for the month on my accountIf I go to your online payment system and click on the payoff button that would include the total I need to pay the entire loan off I also should not have to pay anything that month because I had paid more than the required amount due, due to the large amount of money I put down within a couple of weeks When I called the company they told me that I should of called in to pay it offIf this is the case, take this payment option off of your site and put on their please call in for a payoffTheir system is not advantageous to the customerIt seems to be set up for Avant to make money by accruing interest off of the customer because of their system I paid the loan off but I am not happy with their businessI think they are ripping people offI really think they will be going to court on this soon and they will owe their customers money

Initial Business Response / [redacted] (1000, 5, 2015/06/12) */ Dear [redacted] We are sorry that you are dissatisfied with your customer experience at AvantHere at Avant we pride ourselves in providing excellent customer service to all of our customer and take all feedback seriously Please be advised that Avant has recently filed an update with the credit reporting agenciesAvant has reported that your loan was closed and paid in full on May 11, As each agency follows its own schedule in processing and updating customer data, this latest update may appear on your credit after a few days We have reviewed your account and our internal records found that you began inquiries for credit with Avant on December 8, and on May 21, Please be advised that you consented to your credit report being pulled for underwriting purposesSoft credit pulls were conducted in each instanceWhile Avant is unable to remove these inquiries, soft pulls do not impact your FICO credit score, and cannot be seen on your credit reports by third parties Following your most recent inquiry for credit on May 21, 2015, we informed you, via a Notice of Adverse Action sent later that same day, that we would be unable to grant you a loan at that time 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 further questions or concerns, or if you would like a written explanation as to why we were unable to approve you please do not hesitate to contact our Compliance Department at [email protected] appreciate the opportunity to serve you Sincerely, Avant Compliance Department Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/06/22) */ (The consumer indicated he/she ACCEPTED the response from the business.) Final Consumer Response / [redacted] (3000, 13, 2015/07/14) */ I have emailed a dozen times, at least, asking when my loan was considered paid off, have not heard backI was told originally I would receive a letter in the mail as well, didn't receive a payoff letter through email or mailThey are still reporting to the credit bureau's that it is not paid off, even though they cashed the payoff check in MayThey won't respond to me no matter what question I askI even asked about re-applying, when I would be eligible to do that, I got an automated reply that I would hear back in 24-hours, it has been weeks Final Business Response / [redacted] (4000, 15, 2015/08/04) */ Dear [redacted] Thank you for your commentsWe regret that you did not find our previous response satisfactory As you know, when Avant responded to your previous Revdex.com dispute, we confirmed that your loan had been paid in full and closed on May 11, This information was provided in addition to the payoff confirmation notice which Avant sent to your email address on file on May 26, On July 15, 2015, Avant sent you an email with attachments including both a copy of this confirmation email, and a copy of your contract with a 'Paid Off' stampAs of this response, we can confirm that [redacted] are all reporting your account as closed and paid in full Your claim that your recent inquiries for credit have been denied as a consequence of your early payoff is entirely without meritAs you know, Avant has provided you with lists of key factors which may have adversely affected your credit score with each Notice of Adverse ActionOn June 24, 2015, at your request we provided you with a list of reasons why your most recent application was denied Avant does not assess any fees or penalties against early payoffs of our installment product, and categorically denies any suggestion that customers who complete such payoffs are "flagged" for denial of future creditAvant has approved numerous inquiries for credit from such customers According to our records, you submitted an inquiry for credit with Avant on July 21, We have reviewed your account and found that we were unable to approve your applicationA Notice of Adverse Action has been sent to the email address associated with your accountIf you would like a written explanation as to why we were unable to approve you, please let us know and we will be happy to submit your 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 further questions or concerns, or if you would like a written explanation as to why we were unable to approve your credit inquiry, please do not hesitate to contact our Compliance Department at [email protected] appreciate the opportunity to serve you Sincerely, Avant Compliance Department

Sleazy-advertise promotions and then refuse to fulfill them after all conditions are met

Initial Business Response / [redacted] (1000, 5, 2015/07/16) */ Dear [redacted] We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant we pride ourselves in providing excellent customer service to all of our customers and take all feedback seriously[redacted] Our records indicate that you submitted an inquiry for credit with Avant on [redacted] 6, Funds were deposited into the bank account provided by you on or about [redacted] 11, On June 15, 2015, your regularly scheduled installment was missed [redacted] On June 25, 2015, you contacted Avant via telephone and advised that the bank account on file was incorrectAt this time, you were advised that a voided check or bank statement must be received by Avant containing your full routing and account numbers in order to update the bank account on file [redacted] Later that day, you faxed a hand-written document to Avant containing the full routing and account numbersAvant then responded via e-mail with an explanation that the document must be an official bank document in order to be acceptableYou indicated on multiple occasions that you refused to provide an acceptable documentAs such, Avant was unable to update the bank account on fileAfter reviewing your account, we have found that you were never assessed any unearned interest or feesConsequently, we are unable to grant your request for a refundWe apologize for any inconvenience [redacted] We trust that this explanation resolves this matterHere at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] @Avant.comWe appreciate the opportunity to serve you[redacted] Sincerely, Avant Compliance Department *Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/17) * Dear [redacted] We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant we pride ourselves in providing excellent customer service to all of our customers and take all feedback seriously[redacted] Please be advised that the bank account on file was the one provided by you during your initial inquiry for creditAvant has not received proper documentation to update the bank account on file from either you or your respective bank[redacted] You have indicated on multiple occasions that you refuse to provide any further documentationAs such, Avant was unable to update the bank account on file [redacted] After reviewing your account, we have found that you were never assessed any unearned interest or feesConsequently, we are unable to grant your request for a refundAdditionally, please note that your account is now paid in full due to the paper check received by Avant on or around July 6, [redacted] Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] @Avant.comWe appreciate the opportunity to serve you[redacted] Sincerely, Avant Compliance Department

Dear [redacted] We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.Please be advised that we have thoroughly investigated your account and confirmed that your account is being reported to the credit bureaus accuratelyThe Fair Credit Reporting Act (FCRA) prevents an institution from removing any information from your credit report which is found to be accurate and complete.Upon review of your account, it was determined that you failed to make your February installment paymentAs a result, your account has been reported to days late to the credit bureaus as of March 31, 2015.You subsequently failed to make your June installmentAs your June installment was not fulfilled by July 31, 2015, your account has been reported as to days late to the credit bureaus as of July 31, 2015.In August 2015, you entered into a Long Term Payment Plan agreementAccordingly, your account has been reported as “current” to the credit bureaus during the period in which you were making payments as agreed per your payment planWe trust this explanation resolves this matterHere at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you are facing financial hardship or are having difficulty making payments, please reach out to our Payments Team at [email protected] to discuss various repayment options.If you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Initial Business Response / [redacted] (1000, 5, 2015/08/17) */ Dear [redacted] We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant we pride ourselves in providing excellent customer service to all of our customers and take all feedback seriously As you know, on August 14, we reached out to you directly to resolve the issue and you indicated you were satisfied with our responseWe appreciate your cooperation in this matter and 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 [redacted] @Avant.comWe appreciate the opportunity to serve you Sincerely, Avant Compliance Department

Initial Business Response / [redacted] (1000, 5, 2015/07/27) */ Dear [redacted] , We are in receipt of your complaint with the Revdex.com (Case # XXXXXXXX)We are sorry to hear that you are dissatisfied with your 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 March 22, 2015, an online request for a loan was submitted with your informationThat same day, the loan was approved and funds were deposited into the bank account on file on or about March 24, On April 8, 2015, you contacted Avant telephonically and filed an identity theft claimHere 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 AffidavitIf the account in question has been funded, an individual must also submit a law enforcement report or an ICreferral form Your account was immediately escalated to the fraud departmentLater that same day, an e-mail outlining the fraud investigation process along with a FTC identity theft affidavit was sent to the e-mail address provided by you On April 16, 2015, you submitted a completed affidavit and advised that you were unable to retrieve a full copy of a police reportThat same day, you were informed via e-mail that a law enforcement report was required to complete the investigation On April 20, 2015, Avant received a subpoena from Detective [redacted] , requesting additional information regarding your account to assist in his investigationOn May 6, 2015, the information requested was sent to Detective [redacted] On June 8, 2015, you contacted Avant regarding the open identity theft investigationOn June 10, 2015, Avant responded to your inquiry via e-mail and requested that you submit either a law enforcement report or a copy of an ICform to complete the investigationOn July 7, 2015, you contacted Avant telephonically to discuss the ICform process On July 21, 2015, Avant received your completed ICreferral formAccordingly, the account on file was updated and notice was sent to the relevant credit bureaus to remove the tradeline from your credit report We trust this explanation resolves this matterHere at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] @Avant.comWe appreciate the opportunity to serve you Sincerely, Avant Compliance Department

I have had the worst experience with Avant Credit CorporationI am a repeat customer and have been told lie after lie over the course of the last weekI applied for a new loan days agoFirst I was told they had all of the information they needed and then suddenly they didn'tIt took two days of going back and forth, talking to managers etc.After days of that I was assured that my loan would be processed within hoursIt has been since Thursday that I was told that and since Friday there has been a "technical glitch" holding up the processThat was after earlier in the day Friday I was told that everything was all set and I should be funded that daySaturday I was told that IT was working on the problem right thenToday,Sunday, I was told IT doesn't work on weekendsI have called and been disconnected at least timesI don't feel like anything said by this company is the truth anymore

Complaint: [redacted] I am rejecting this response because: You say an online request for a loan was received by Avant Not later than days after the date of receipt of a request from a victim, the institution shall provide a copy of application and business transaction records in its control regarding the unauthorized use of the identification of the victimUSC 1681g(e) On October 8, 2015, over days ago, I made a written request for the above mentioned documentsIn this Revdex.com complaint, I repeated that request Again, please provide for me: · Application used to request a loan from Avant· IP address in which the application was originated Sincerely, [redacted]