AVANT

I am very disappointed in your company…first I applied for a loan for $that was approvedBut because I didn’t jump right on that, it was lowered to half without reason or rhyme as to why, the new loan of half with a payment amount of about $a month which I can pay easily with no problemsyour system is horrible, I couldn't get my bank statements to uploadIt took whole days of me jumping through hoops of collecting informationI then got an email saying my loan was approved and that I should have funds deposited into my account within hoursThe very next day, I got another email saying that I needed to call the verification teambecause now you needed months of statements and I needed to confirm I am me Then, after jumping through even more hoops and wasting more of my time, sending in the additional information I got an email today that you are unable to approve my loan at this time which sadly disappointed me! But what strikes me odd, is if I want a letter as to why the loan was not approved, I need waste more of my time to write avant a letter requesting to receive the loan denial letterI’ve never heard of such a thingI think that this is a ridiculous and poor decision on your company's behalf!! You just lost a loyal customer that would have gone on to recommend others to you as wellbut now, I plan to put the word out that this has happened to all my friends, cohorts, clients, the person in the supermarket and nail salons, of the bad experience I have had with avant and for them to not deal with your company everLost customer forever [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/06/15) */ 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 Our records indicate that you contacted Avant via electronic mail on [redacted] 23, In your e-mail you indicated that you wished to update the bank account on file and included documentation in order to do soOn [redacted] 24, Avant informed you that the document you sent was unreadable, and asked that you provide a new document in order to update your bank account On May 24, 2015, you emailed Avant on three occasionsOne of your emails did not contain an attachment, of which you were informed later that daySubsequently, you sent two additional emails containing attachments, each of which was in the same unreadable format as the original documentationAfter the receipt of these emails, you were informed by Avant that new documentation would be needed in order to comply with your request As you did not provide new documentation in an acceptable format before your installment due on May 26, 2015, we were unable to update your bank accountConsequently, your installment in the amount of $due on May 26, was returned Avant attempted to contact you on multiple occasions via phone and email between the dates of May 30, and June 8, in order to inform you of your past due payment, however we were unable to reach youOn June 9, you contacted Avant telephonically and set up a payment via debit card for your missed installmentAs this installment payment was not made within the allotted day grace period, we are unable to grant your request to waive the late fee that was assessed to your accountWe 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 Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) What they just said was a lieI NEVER got any callsI talked to a manager who was very rude and she didn't say it was unreadableShe said it didn't contain my name or addressSo that is another LIEI gave the information over the phoneI have sent numerous emails and said I shouldn't have to pay the late fee because I've been trying to contact themI haven't gotten any calls what so everI feel like they are ripping people off just by the late feesI have read their other Revdex.com complaints and people are saying the same as me Final Consumer Response / [redacted] (4200, 14, 2015/06/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is such a LIEI talked to people and they both gave different responses to my "payment"One said it was unreadable and the other said thy didn't get itThey are obviously lying about everythingI never got ANY calls and it was your wrong doing, not mineI put the right number inYou people need to be shut down for ripping hard working people offI will not back down from this and I am suck of the runaround that you are giving meI have submitted my bank information weeks before the due date and you waited until it was past due to contact methis is all on you and not me! I have NEVER been late for anything EVER! You people are ridiculous and need to be shut downSo sick od this back and forth Final Business Response / [redacted] (4000, 16, 2015/07/16) */ Dear [redacted] 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 June 9, you contacted Avant telephonically to set up a payment via debit card for your missed installmentDuring this call, you were informed that we were unable to update the bank account on file due to the documentation provided being in an unsatisfactory formatYou were also informed that emails had been sent to you previously regarding the appropriate documentation that Avant must receive in order to update the bank account on file, however the appropriate documentation was not received by AvantConsequently, during this call, you provided your bank account information verbally and the bank account on file was updated During this same call it was discovered that the phone number which was provided by you when you submitted your inquiry for credit was incorrectAvant attempted to contact you via email during this period, however we did not receive a responseHad your May 26, installment payment been made by June 5, 2015, within the allotted day grace period, a late fee would not have been assessed to your accountAs this payment was not made within the allotted time, we are unable to grant your request to waive the late fee that was assessed to your account Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] @Avant.comWe appreciate the opportunity to serve you Sincerely, Avant Compliance Department

Complaint: I am rejecting this response because: As stated: I was contacted on the phone, and provided the information, a delay of days was introduced All of the sudden my application was declined for delay, but I was told all the information was provided, when they asked me for employment information, I sent the proof of payment and get receipts that they had them the website did not allowed me to attach a document and follow the process to send emails There were too many fundamental mistakes, and flaws, in the process, because it is not true that I did not furnish informaion on time In addition which is worth another complain, their waiting times on the line are ridiculously long The chat feature never works because, nobody is available to do chat Support is impossible, for a working person Sincerely, Newton [redacted]

I had been receiving Avant Credit to check my rates confirming it want effect to my FICO credit scoreAfter few mails, I have decided to check my rate by applying online which I didThen I was given a rate with a pre approved limitSince the line of credit offered to me was not what in my mind, I disregardedAfter a week or so, I have received an email saying they have reviewed my credit application and regretfully deniedI was surprisedThey have considered credit without my consentThen I have chat online and emailed their customer services asking explanation to no availSince then , two consecutive weeks they have sent me pre screened offersThen I have responded to the second offer, which they eventually denied due to the fact that I have previously applied credit a month agoI have never applied credit month ago but only check my rate( I have never failed a payment in all my credit history and always ontop of paymentsThe only reason I have much higher credit use due

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 seriouslyAs you are aware, on August 3, 2016, you initiated a loan request via the Avant PlatformPlease note that WebBank is the credit issuer for the Avant Platform, a closed-end installment loan program, where Avant operates as the administrator and servicer of the programYou were presented with options for loans, and selected a $13,WebBank loan with a 36-month term and a 35.95% Annual Percentage Rate (“APR”)Your loan request was subsequently approved, and you signed a loan agreement detailing the full terms of the WebBank loan on August 4, The rates and terms of your loan were clearly and fully disclosed on the company website, during the loan request process, and in your loan agreementPlease note, the Servicemembers Civil Relief Act (“SCRA”) provides a limit for the maximum rate of interest that can be charged for debts incurred before military serviceTo qualify for the reduced interest rate for your installment loan serviced by Avant under the SCRA, you would need to have entered into the loan agreement prior to being placed on active duty military service.On October 12, 2016, you contacted Avant to request relief under the SCRA and provided documentation regarding deployment ordersFollowing receipt of this request, Avant reviewed the Department of Defense Manpower Data Center (“DMDC”) to determine the start date of your active duty statusPer the DMDC, your active duty status began on July 8, The DMDC report indicates that you were already on active duty status when you initiated your loan request and agreed to the rates and terms of your installment loanAccordingly, Avant determined that you do not qualify for a reduction of your APR under the SCRAAvant contacted you via email on October 17, 2016, and informed you of this determinationIf you find that you are having difficulty making your payments, please do not hesitate to contact Customer Support at [redacted] or at [redacted] to discuss your various repayment options.We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] We appreciate the opportunity to serve youSincerely,Avant Compliance Department

READ FIRST I applied for a loan and got the preapproval Didn't hear from no one for about a day so I kept checking the website, at one point the website said my email was wrong and typed in my email again but wouldn't accept it then I just logged offchecked again and it had a contract/promissory note read it and signed it thought it was approved nothing about it was a preapproval contract.then wander why I haven't got any emailstoday a lady called saying they needed more info about income and bank info, it feels like a scam and asked why I signed a contact which she said its a preapprovalI told her it felt like a scam and had to think aboutI went ahead sent the infoThen a guy called saying he needed my social so of course I'm asking why he needs it and he says a discrepancy in my social.I'm like how is that and you checked my credit n it's on my creditHe was a total [redacted] n said well then don't give it to meHe acted like a scammer n why not ask the first callHorrible

I was applying for a loan with this company and I sent them all the documents they asked for until they asked for the Social Security award letter that stated my disability I told them that was beyond personal and to forget it and cancel my application Then I was sent an email that Avant had checked my credit score every time they talked to me on the phoneFor this reason my credit score was dropped points! They had it in their computer and had no reason to keep checking it every time we talked! I am very upset about this it takes a long time to get ptson your credit score!

Initial Business Response / [redacted] (1000, 5, 2014/03/31) */ Contact Name and Title: [redacted] E [redacted] Contact Phone: XXXXXXXXXX Contact Email: [redacted] @avantcredit.com Mr [redacted] , We apologize for any inconvenience this may have caused youAvantCredit is in the process of reviewing your concern and will get back to you as soon as possible Regards, [redacted] E [redacted] Regards, [redacted] E [redacted] X-Additional info from business: Mr[redacted] , Thank you for giving us the opportunity to review your concern regarding the finance charges billed We have issued a $credit in your favor Please allow 1-business day for the funds to be available in your banking account Once again, our apologies for thisWe welcome the opportunity to serve you in the future Best, [redacted] E [redacted] US Call Center Department Manager [redacted] @avantcredit.com [redacted] 4-1-additional info from business: Mr [redacted] , Please accept our sincere apologies for the inconvenience you may have experienced in respect to the finance charges billed on February 28th statement At AvantCredit, we take pride in ensuring our customer's satisfactionUnfortunately, we did not meet youror our ownexpectations As a testament to our strive for perfection,we have taken the necessary steps to provide you with a $refundThe refund will be available to you in 1-business days, this varies based on your banking institution We value your relationship with AvantCredit and are committed to providing you with the highest level of service simply because our customers deserve the very best If you have any further questions or comments regarding this matter, please feel free to discuss it with us at the information provided below Yours in service, [redacted] E [redacted] US Call Center Manager [redacted] N [redacted] Suite [redacted] XXXXX

Complaint: [redacted] I am rejecting this response because: Avant states they were not able to verify my monthly income which is false I was required to give them my bank's Login and Password so they could see my bank statements and verify my Social Security Deposit amount Avant either does not bother to check or someone who was supposed to check dropped the ball In either case, I want my debt consolidation loan funded I will be happy to give them access to my account again, if that is truly the reason the loan is not being funded Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/08/12) */ 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 Our records indicate that, on March 25, 2015, you agreed to a Short Term Payment Plan with Avant in order to catch up on your past due balanceThis plan was comprised of payments in the amount of $each, to be due on April 13, 2015, [redacted] 14, 2015, and June 15, 2015, respectivelyUsing your Customer Dashboard, you moved the payment dates of the payments due on May 14, and June 15, to July 9, On June 18, 2015, Avant received notification from you that you had a retained an attorney for the purposes of filing bankruptcyAs such, all subsequent communications were directed toward your attorneyWe have attempted to contact the law firm which you indicated was handling your case on multiple occasionsAs of today's date, we have been unable to confirm a relationship with said firmAdditionally, we have searched the U.SBankruptcy Court Database site and found no record of a bankruptcy filing on your behalfAs you know, the Automatic Bankruptcy Stay does not go into effect until the bankruptcy petition is filedAs such, until the documentation for a bankruptcy filing has been submitted, collections activity may continue On July 9, 2015, both of the payments moved by you were debited from the bank account on fileLater this same day, you contacted Avant via email and advised us that you wished to opt out of automatic paymentsAccordingly, your account was updated and no further attempts to debit payments from your bank account have been made On July 13, 2015, you contacted Avant telephonically in order to discuss the payments debited from your account on July 9, You stated that these payments should not have been debitedYour account was placed under review and you were informed that the status of your refund request would be determined after a thorough investigation into your account On July 30, 2015, you were informed that your refund request had been deniedIt was explained to you that these payments were a part of your Short Term Payment Plan and that your request to opt out of ACH payments had not been received until after the scheduled payments had been processedAdditionally, you were advised that we had been unable to locate your bankruptcy caseWe apologize for any inconvenience you may have experienced 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 Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) It does not get me back the money they should not have taken

Dear [redacted] , We are in receipt of your complaint with the Revdex.com (Case # [redacted] )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, Avant contacted you regarding this matter on October 14, As a courtesy, Avant will waive the remaining interest which has accrued on your account once a payment in the amount of $is madeYou indicated that you were satisfied with this result Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you Sincerely, Avant Compliance Department

Complaint: [redacted] I am rejecting this response because: I feel the information as well as the terms and conditions should be better displayedThe interest from day one should be clearer should be addressed before the loan process is completedAnother issue I would like to address is the fact that I sent another voided check out and my account still has my old checking account which I do not have any moreI never got the email confirmation stating that I agree to the terms of change in accountWhere did this voided check go? I find it suspicious that I cant log onto my account and change it right from my log in pageEvery account that I have when I need to change any information I can log in and change it right on the page Sincerely, [redacted]

Dear Mary [redacted] , We are in receipt of your complaint with the Revdex.com (Complaint ID # 11118891)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.On January 27, 2016, you submitted an inquiry for credit via a marketing affiliate, [redacted] ***On January 28, 2016, you were pre-approved for a loan from [redacted] , pending final verificationPlease note, the loan request process clearly discloses that loan funding may be subject to verification checksIf the information submitted cannot be verified, the loan request will be declinedAs you know, on January 29, 2016, you contacted Avant regarding your loan requestDue to an isolated process issue, you were incorrectly informed that no additional information was required from you at that timeWe apologize for any inconvenienceOn January 30, 2016, Avant informed you that, as part of industry-standard verification checks, bank account verification is requiredAccordingly, you scheduled a time to contact Avant on February 1, to verify this information.Upon further review, Avant determined that your loan request was inadvertently declined on January 31, We apologize for any inconvenienceFollowing receipt of your complaint via the Revdex.com, Avant determined that you are still eligible for a loan and attempted to reach out to you in an effort to resolve this complaintHowever, you declined to engage Avant in reaching a resolution.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 would NOT recommend taking a loan through this companyI took a loan for about $In December to help cover holiday expenses which was scheduled to mature in yearsAfter making on time payments for months of $each months my balance was still $3200!! I called in to pay my loan off with my credit card (lower interest rate) but they would only allow me to pay through drafting my bank account I could only pay $(nearest $10) on my cardIn July I made my scheduled monthly payment and an additional payment of $I requested that this be applied to the premium of the loan; they wanted to apply it to future paymentsYou would think having done this that my monthly payment amount would be reduced but that it not the case, I still had $due in AugustWhen I questioned this I was told my payment amount was fixedMy payment was due on the 7th (Sunday) and I received an email stating that my account would be drafted the following business day, when I called the 6th to put the payment on my credit card the representative told the request was sent to my bank Friday and approvedI told the representative that it wasn't supposed to happen until Monday Since it was the weekend there was nothing I could do to stop itThis action caused me to overdraft on my accountHowever when I called Monday they told me the payment was taken MondayThis was not the first time I received an extra charge with their screwy payment days and incorrectly conveyed informationThankfully I was able to secure a line of credit elsewhere and be done with them for goodThis company practices predatory lending practices; there are laws against this sort of thingI will never use them again and I strongly urge others to look elsewhere to avoid the headache

I took loan with avant couldnt pay on time due to financial hardship.Finally I made arrange to settle my account.After I finish my payment I ask Selina billing department supervisor to remove my late payment because even after days Avant keep reporting me to credit bureaus.I had late payments my credit went from to 450.Avant refuse compeletely to work with me.Worst company ever,I wont recommend this company even to my enemies

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.On December 30, 2015, you contacted Avant telephonically and expressed interest in being placed on a long term payment plan Later that same day, Avant e-mailed you the long term payment plan agreement with the first payment due on January 15, 2016, to be executed by you and returnedAvant never received your signed agreement.On February 1, 2016, you contacted Avant telephonically to make a paymentAt this time, Avant informed you that we had not received your executed long term payment plan agreementAccordingly, Avant was unable to implement the payment plan.On February 5, 2016, you contacted Avant telephonically to make a payment and to inquire about the long term payment planAt this time, Avant informed you once more that we had not received your executed payment plan agreement and, therefore, you were not placed on such planOn February 12, 2016, you contacted Avant telephonically and requested to be placed on a new long term payment planAccordingly, Avant set up a new payment plan with your first payment due on February 26, Additionally, Avant sent an updated agreement to be executed and returned.On February 16, 2016, you contacted Avant telephonically to confirm that Avant received your executed agreementAt this time, Avant informed you that your executed agreement was received and your first payment was due on February 26, You indicated that you understood.On March 16, 2016, Avant contacted you via e-mail to inform you that your long term payment plan had been terminated due to missing your first installment that was due on February 26, Avant has reviewed your account and found that we are unable to reinstate your previous long term payment plan as you did not make your first installment as agreedIf you are experiencing difficulty making monthly payments we advise you to contact customer support at [redacted] to discuss repayment optionsWe 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] mWe 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.As you are aware, you contacted Avant via telephone on June 21, in an attempt to update your bank accountDuring this call, the Customer Support representative correctly informed you that documentation is required to update the bank account on fileThe representative emailed you instructions for how to submit acceptable documentationYou were advised that you could schedule payments via credit or debit card while your bank account on file was being updatedThe Customer Support representative offered you the option to utilize a grace period movement for your installment payment scheduled June 24, 2016, to allow additional time for your bank account to be updatedAt this time, you authorized the movement of your June 24, installment payment to June 28, Per your loan agreement, you have the ability to opt out of recurring ACH payments by providing written noticeAs no such notice was received prior to your updated installment payment date of June 28, 2016, a payment from the bank account on file was attempted as agreedOn June 30, 2016, the installment payment returned due to insufficient fundsPlease note, your loan agreement clearly states that a Dishonored Payment Fee of $will be assessed each time a scheduled payment returnsAccordingly, a Dishonored Payment Fee was correctly applied to your account.We trust this explanation resolves this matterIf 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

January 2, 2016Dear Kevin [redacted] ,We are in receipt of your complaint with the Revdex.com (Complaint ID #10995942)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 made a total of four (4) payments towards your loan #The first three (3) payments were installment payments in accordance with your loan agreementPlease be advised that, per your loan agreement, payments will be applied first to outstanding charges, if any, then to accrued interest and then to principal.We have thoroughly investigated your account and confirmed that each of the above-referenced installment payments were allocated as outlined in your loan agreementIf you would like to request a breakdown of payments, please contact us directly at your earliest convenience at [email protected], and we will be happy to send over the information.Additionally, the final payment made towards your loan on December 11, in the amount of $12,satisfied your outstanding balance in fullAccordingly, the loan is paid off and no refund is required.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

They asked for my online banking user name and password to verify that I had an account They DO NOT need that information to verify a banking account!

I sent in all paperwork as requested bank statements ,income verification, with voided check as requested to complete my contract on 09/07/,after an email from them receiving my paperwork I called to check on my contract days later ,and A different employer answered the phone on 9/13/,and requested more income information because she would not accept my income or voided check that the previous employer which I talked with did accept all of it I also want to say all my paperwork was accepted .A second voided check from my other bank was requested today on 09/13/today A bit strange to me never been thru so much frustration with any finance company ever she kept wanting more information when all mine was accepted ,she hung up on me ,company would not call me back ,and did not accept my calls ,and signed me out of website turned me down suddenly I received an email on 09/13/after 4pm of denial and we were not finished with contract .this company discriminates ,and it is against the law this company needs to be investigated ,I also plan on filing A complaint with the consumer affairs division of discrimination against this company It is wrong how I was treated by this woman today an awful feeling please let people know to look deeply into A company before applying ,and sending in private documentation which they refused to send back to me I would never recommend Avant financing to anyone ,and awful experience dissatisfied customer