AVANT

don’t ever deal with this company!!!! got rejected with credit score, after long verification process including passwords for my on line checking account and answers to security questions!!!!!!!! end up with hard inquiry on my report and lower score!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! hate it I will put a lot of effort to spread my frustration on all available social media and Revdex.com

I received a loan from avant incin january for $at the time I did'nt need all of the $so I paid back $of itThey applied the money as individual payments and told me I did'nt have to make another payment until september , I made the first payment in september and now i'm ready to pay the rest off and they added $of interest to my loan so instead of me owing $3500, I now owe $to pay off this loanThat is OBSURD!!! I will never do business with the company againThey are rip offs!!

After watching an interview on [redacted] about how great Avant was I thought I would tryMy credit rating is close to only low due to credit cards I wanted to pay off with a small loanThis company proved it is still a child in the world of business for sure I was asked to send my taxes and bank statement after being aware of approval to a pointSo I did this as askedThen it was a cover letter for my taxesThen my bank logo on my bank statement I am self employed and have been for over yearsSo if I can stay successful at being self employed this long wellI can also depreciate a lot on my taxes which can show very low income at times My bank statements should havery clarified this easily But it was clear I should have not wasted my time with this [redacted] operation and just went to my bank in the first place to ask for such a small amount of money I was already told it was a problem at a local bank Lesson learned and will not only nevery use this again but will also share my experience with all I canTell them if your self employed forget dealing with this company they don't take any of it to consideration Waste of time so yes I am [redacted] I emailed my info to Anant

Dear [redacted] We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.On October 28, 2016, Avant received your paper check payment in the amount of $9,Upon receipt of this payment, your loan was considered paid in full.On November 7, 2016, Avant contacted you via email and informed you that your refund in the amount of $was being processed and that it may take up to two to three weeks for receiptThis time frame is in place to ensure that your paper check payment clears before a refund for overpayment is issuedAccordingly, on November 15, 2016, Avant issued you a refund in the amount of $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 [redacted] We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Initial Business Response / [redacted] (1000, 5, 2015/09/01) */ 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 Initial Consumer Rebuttal / [redacted] (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 / [redacted] (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 / [redacted] (4000, 19, 2015/09/28) */ 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, 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 [redacted] @Avant.comWe appreciate the opportunity to serve you Sincerely, Avant Compliance Department

Dear Darline [redacted] ,We are in receipt of your complaint with the Revdex.com (Complaint ID # 12348098)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.On January 16, 2015, you initiated a loan request on www.Avant.com and executed a loan agreement outlining the rates and terms of the loanOn January 17, 2015, your loan request was approvedFunds were deposited into the bank account on file on or about January 23, On August 4, 2015, Avant received a facsimile from a debt management companyThis included an authorization signed by you for the debt management company to access account information and communicate with Avant on your behalfAs you are aware, on September 16, 2015, you entered into a payment plan agreement with AvantOn September 17, 2015, your debt management company contacted Avant telephonically and received a payoff quote effective that same day in the amount of $11,625.89.Per your payment plan agreement, you were required to make payments within ten (10) days of each payment’s scheduled due date in order for the payment plan to remain activeThis agreement stated that your original monthly payment schedule and terms would be reinstated if the payment plan was terminatedPlease be advised that because your October 15, payment plan payment was not made within the required time period, your payment plan was terminatedPer your loan agreement, interest continued to accrue on the remaining principal balance of your loanOn November 24, 2015, Avant received a paper check in the amount of $379.13, which was subsequently applied to your account on December 1, On November 30, 2015, Avant received a paper check in the amount of $11,which was subsequently applied to your account on December 2, On December 1, 2015, your debt management company received a quote of $12,for the remaining balance of your loanAs a result of the subsequent application of the paper checks, less interest had accrued to your balance than what was quoted at the time of the December 1, call with the debt management companyWe apologize for any confusion this may have causedPlease be advised, following the application of these paper checks, $remained on your loan balance effective December 1, As a courtesy, Avant has elected to waive this remaining balance as well as the additional interest that has accrued on your account since December 1, Your account has been marked as paid off 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 / [redacted] (1000, 5, 2014/08/21) */ Contact Name and Title: M [redacted] , Compliance Contact Phone: XXX-XXX-XXXX # Contact Email: [redacted] @avantcredit.com Dear [redacted] ***, Thank you for contacting AvantCreditWe are sorry to hear about your experiencePlease be advised that we have contacted the Credit Bureau to remove the inquiry from recordWe sincerely apologize for the delay and any inconvenience that this might have caused If you have any additional questions, please contact our Compliance Department We wish you the best of luck in the future Sincerely, AvantCredit

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

I totally agree with the complaints and comments of the customersAVANT is not a good nor positive loan companyI applied for a loan in June for $and my payment is $a month and only $has been credited to the loan (principal), Be aware of applying for a loan from them, Read the fine print before you sign/submitBy the end of loan I would have paid over $plusWill not 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.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 issuesWe 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 [redacted] via e-mail, or via online chat at www.Avant.com in the event that you experience issues with the Customer DashboardWe 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

Dear Katelyn [redacted] ,We are in receipt of your complaint with the Revdex.com (Complaint ID # 11142065)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 March 7, Avant contacted you via telephone in an effort to resolve this matterDuring the call, you were advised that, due to an isolated system issue, your minimum monthly payment for the month of September was $162.67, when in fact it should have been $As a courtesy, Avant credited the difference between these amounts to your accountAll following monthly statements were found to be accurateYou indicated you were satisfied with this explanationAdditionally, as a courtesy, any late fees assessed to your account since November have been waivedAs a result, your minimum monthly payment due on March 17, is $320.86.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 [redacted] We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] )We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.Please be advised that Avant reports to the credit bureaus on a monthly basisPrior to releasing our credit reporting files, we perform a thorough review of the information to ensure accuracyThe files which we send to the credit bureaus contain credit reporting information for the previous monthsThe date of account information reported will always be the last day of the month being reviewedPlease note that, due to state and federal law requirements, your loan agreement contains a notice that we may report information about your account to the credit bureaus, but does not require us to do so or specify a required reporting frequencyWe are confident we comply with all applicable state and federal rules, laws, and regulationsAs you are aware, the repayment activity on your loan began with your first installment payment scheduled October 3, Accordingly, your account was first included in the October credit reporting file, which included all payment activity on your account through October 31, Please be advised that we finished reviewing our October credit reporting file and released it to the credit reporting agencies on November 21, As each credit reporting agency follows its own schedule in updating their reporting, there may be a delay before the appearance of the updated information on your credit reportsWe have confirmed that all three major credit reporting agencies now accurately reflect your October repayment history.We are currently reviewing our credit reporting information for the month of November, which will include your November 1, installment paymentWe hope to release this information to the credit bureaus soon.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 [redacted] We appreciate the opportunity to serve youSincerely,Avant Compliance Department

Avant credit sent me a pre approval letter in mailAfter applying,say I was approved for the loanWhen I sent my info in, I got a denial statusWasted my time!!!

Dear [redacted] We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] )We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.As you are aware, on November 1, you entered into a payment plan for your WebBank installment loan serviced by AvantPer the terms of your payment plan, your plan will terminate if a scheduled payment is not received within ten days of its payment dateYour first payment plan payment was scheduled on November 18, Accordingly, this payment needed to post with an effective date of November 28, or earlier in order for your plan to remain activePlease be advised that we recently experienced an issue with our paper check processing service regarding payments processed on or around November 23, which affected the paper check payment you submittedThis issue caused a delay in applying the payments deposited that day to customer accountsDue to your account not reflecting a payment plan payment within days of its scheduled due date, an automated notice that your payment plan had terminated was sent via email on November 29, We sincerely apologize for any inconvenience this has caused.As you were informed in a call on December 5, 2016, payments are posted to your account effective the date they are receivedOn December 8, 2016, your paper check payment was posted to your account with an effective date of November 23, Accordingly, your payment plan has been reinstated.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 [redacted] We appreciate the opportunity to serve youSincerely, Avant Compliance Department

Dear [redacted] , We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] )We are sorry to hear that you are dissatisfied with your 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, the issue regarding your account was resolved telephonically on December 8, and you indicated that you were satisfied with the resultWe apologize for any inconvenience.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 / [redacted] (1000, 5, 2015/06/26) */ 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 Please be advised that [redacted] is the credit issuer for the Avant Program, which is a closed-end installment loan program [redacted] is a Utah-chartered industrial bank, located in Salt Lake City, Utah, and is an FDIC member bank [redacted] makes loans to Florida residents as authorized by the Federal Deposit Insurance Act, U.S.C§ 1831dFederal law gives [redacted] the power to make loans to residents of other states (including the state of Florida) at the rates permitted by the laws of its home state [redacted] and Avant strive to fully comply with all applicable state and federal rules, laws, and regulations All loan applications are considered in accordance with [redacted] established credit policyPlease be advised that all installment loan terms are clearly and fully disclosed on the company website, during the application process, and prominently displayed on your loan agreement prior to signingFor your review, we have attached a copy of your signed loan agreement Additionally, on April 30, 2015, you contacted Avant telephonically to inquire about additional paymentsDuring this call, you were mistakenly informed that additional payments would go toward your upcoming installment, resulting in your installment not being debited from your bank accountWe apologize for this miscommunicationPayments are applied first to outstanding charges, if any, then to accrued interest and then to principalMaking additional payments towards your outstanding balance helps to decrease the total amount of interest accrued on your account over timeAs you know, your June installment in the amount of $was refunded on or about June 25, We trust this resolves this matter to your satisfactionHere at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] @Avant.comWe appreciate the opportunity to serve you Sincerely, Avant Compliance Department Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/06/29) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am glad that after I went to these drastic lengths that Avant finally lived up to its end of the bargainYour reps are rude, except for the rep I spoke with on 4/30/who was great

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 seriouslyFurthermore, we are confident we comply with all applicable state and federal rules, laws, and regulationsAccording 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 agreementOn 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 ratioOn 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” statusOn 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 accountThis 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 invalidOn 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 balancePlease 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 [redacted] , 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 [redacted] We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Initial Business Response / [redacted] (1000, 5, 2015/07/29) */ 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 We have reviewed your account and determined that you submitted an inquiry for credit on July 16, That same day, you were pre-approved for a loan, pending final verificationOn July 17, 2015, it was determined that your online request for a loan was declined, and a notice of adverse action was sent to the e-mail address on fileIf you would like a statement of specific reasons regarding the denial, please submit your request to [redacted] @Avant.com Please be advised that federal regulations under the Equal Credit Opportunity Act (ECOA) require application information to be maintained for a minimum of monthsAll information we gather is used only in accordance with our privacy policy and protected by data encryption softwareThis software ensures that, even in the event of a security breach, the information will be unintelligible Please note that upon investigation, it was determined that Avant has never sent you a pre-screened offer of creditIf you would like to opt out of receiving offers in the future, please visit www.OptOutPreScreen.com or alternatively, you can contact TransUnion directly to remove your name: TransUnion Opt Out Request [redacted] XXXX-XXXX XXX-XXX-XXXX 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 Consumer Rebuttal / [redacted] (3000, 7, 2015/07/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) My original statement was well worded,and I don't believe I ever stated that Avant sent me a pre-screened offer.I explained pretty well that I was given Avant as an alternative to the loan company that I was pre-screened for..Also,My complaint is about my info being used for purposes other than me getting a loan,and since I was turned down for the loan, I will never understand the Maintaining of the info for someone that isn't even a customer for a minimum of months..That says to me that Avant will never delete that info..If the person was a customer,it would be understandable to maintain info for a certain time period...But for a non-customer,what would it be used for other than to sell that info?..knowing what I know now concerning the maintaining of my info,I'll refrain from ever applying again for loans of this nature because I wouldn't want to give another company all of my info to use as they see fit for their gain and I hope others know about the maintaining of their info when simply applying for loans as well...in a world where data breach is all too common now, maintaining an applicants Info for years or more is not very smart,especially if that customer doesn't even get the loan Final Business Response / [redacted] (4000, 9, 2015/08/06) */ Dear [redacted] Thank you for your commentsPlease be advised that, as mentioned in our previous response, federal regulations under the Equal Credit Opportunity Act (ECOA) require us to keep all application information for a minimum of monthsThis applies to not only customers, but to all consumers 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

Dear [redacted] ***, We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] )We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriouslyOn June 29, 2016, you submitted an inquiry for credit via the Avant platformYou entered into a pre-approved status based upon the information you submittedPlease be advised, this process clearly discloses that rates and terms are subject to verification of the information you provideIn order to verify the income you claimed during your loan request, you provided Avant with tax documentationOn July 7, 2016, upon evaluation of the documents you provided, Avant determined that it could not verify the full amount of income that you had claimedAccordingly, the rates and terms you were initially offered were invalidatedBased off of the information you provided, you did not qualify for adjusted rates and termsHowever, in order to provide you with the opportunity to verify additional sources of income, your loan request remained open Following the invalidation of your initial terms, you were sent emails inviting you to sign a new pre-approved loan agreementThis email is sent to all customers with open loan requests who do not have a signed loan agreement on fileWe apologize for any confusion this may have causedPlease note that these emails disclose that final approval may be subject to verification checks such as identity and income.As you are aware, no additional sources of income were verified following submission of your tax documentationOn July 10, 2016, Avant sent you a notice informing you that your application had expiredWe 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

Initial Business Response / [redacted] (1000, 5, 2014/06/12) */ Contact Name and Title: [redacted] , Compliance Contact Phone: XXX-XXX-XXXX # Contact Email: [redacted] @avantcredit.com Dear [redacted] , We were recently notified of your complaint regarding your revolving credit line with AvantCreditThe monthly minimum payment (including the monthly minimum charge) for this particular product was fully disclosed on the Company website at the time of application and is detailed in your account agreementThe agreement has been sent to you for reference purposesPer your account agreement, the minimum monthly payment due will equal 1% of your outstanding principal at the end of each billing cycle plus the minimum charge, unpaid interest charge due for that billing cycle plus any late payment fees and returned payment fees We have reached out in an effort to discuss possible payment arrangements despite the accuracy of the current monthly minimum duePlease be advised that we are confident that AvantCredit of [redacted] LLC complies with all applicable state and federal rules, laws and regulations Please contact our Compliance Department directly Sincerely, AvantCredit Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/06/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) The contract doesn't explicitly say the "monthly charge" and flat rate of $I don't see this is going anywhere, so I would just take this to the FTC and MD Office of the Commissioner of Financial Regulation because this is clearly in violation of the Maryland and Federal Laws Excerpt from the MD Office of the Commissioner of Financial Regulations website: Your Protection under Federal Law Generally, the Federal Truth and Lending Act treats "payday" loans like other types of credit: The lender must disclose the cost of the loan; The lender must disclose the finance charge (a dollar amount); The lender must disclose the annual percentage rate (APR- the cost of the credit on a yearly basis); The lender must put these and other terms of the loan in writing before you sign for or authorize the loan If you believe a lender has violated the Truth in Lending Act, file a complaint with the Federal Trade Commission toll free, 1-877-FTC-HELP/ X-XXX-XXX-XXXX or use the online complaint form Your Protection under MD Law Under Maryland law, most lenders are required to be licensed by the Commissioner of Financial Regulation (MD Code Annotated FinInst§11-204)In addition, the interest rate is restricted depending on the loan size First $1,of a Loan $2,or less: The interest rate a lender may charge for any loan with an original principal balance of $2,or less is percent interest per month on that part of the unpaid balance not more than $1,Therefore, a lender is permitted to charge a maximum annual interest rate of percent on loans up to $1,(MD Code Annotated ComLaw §12-(a) (6) (i)) Next $1,of a $2,Loan: The interest rate a lender may charge per month on that part of the unpaid principal balance that is more than $1,up to $2,is percent per month (or a maximum annual interest rate of percent, MD Code Annotated ComLaw §12-(a) (6) (i)) Loans $6,or less: Subject to certain exceptions, under Maryland law, a person is prohibited from lending $6,or less if the person charges or receives a greater rate of interest than that authorized by the laws of this State (MD Code Annotated ComLaw §12-(a))For any loan with an original balance of more than $2,000, the maximum rate of interest is percent per month on the unpaid principal balance of the loanTherefore, the lender is permitted to charge a maximum annual interest rate of percent on loans that are over $2,and do not exceed $6,(MD Code Annotated ComLaw §12-(6) (ii) (2012)) If you believe a lender has violated the Maryland Consumer Loan Law, file a complaint with the Office of the Commissioner of Financial Regulation Consumer Services Unit: XXX-XXX-XXXX or toll free XXX-XXX-XXXX Additionally, please visit the Office of the Commissioner's website Final Business Response / [redacted] (4000, 9, 2014/06/26) */ We are sorry to hear that you have expressed dissatisfaction with one of our AvantCredit productsHere at AvantCredit we value all customer feedback and use it to enhance the overall customer experience Please be advised that the monthly minimum payment for this particular product was fully disclosed on the Company website, during the application process, and is detailed within your account agreement Specifically, your account agreement states as follows in the "Interest Rate and Interest Charges" section: "For each scheduled billing period during any portion of which there is an outstanding unpaid balance you will incur a minimum charge, in addition to all other interest and charges under this Agreement, in an amount determined in the "Minimum Charge" section below." The agreement further explicitly states the following language: "the minimum monthly payment due will equal 1% of your outstanding principal at the end of each billing cycle plus the minimum charge, unpaid interest charge due for that billing cycle plus any late payment fees and returned payment fees." As you know, we have reached out to you directly in an effort to discuss possible payment arrangements despite the accuracy of the current monthly minimum payment dueIn the interest of reaching a mutually satisfactory resolution, please contact our Compliance Department directly at your earliest convenience Sincerely, AvantCredit