AVANT

This company has outstanding interest rates which I think is illegalThis company also has poor customer serviceI will never recommend anyone to do business with this corporation when life events occur in someone life this company has no compassion or tolerance let alone ability to help their customers

My husband died last JulyAvant had an auto draft on my checking accountI contacted the company requesting auto draft and details regarding the account because I could find no documentationThey requested a death certificateI sent itThe draft continuedContacted my bank and Avant to stop this draft and send documentation regarding the account againOnce again they requested a death certificate, which I again sentThey have continued every month for months to withdraw this amountMy bank catches it and within a week usually fixes itThis last week Avant submitted the auto draft with a new account numberAs of now my account has $withdrawnMy bank told me the only way to stop this is to close the account and open a new oneThat means ordering new checks and waiting on new cardsIs this legal on Avant's part?

Initial Business Response / [redacted] (1000, 5, 2014/05/15) */ Contact Name and Title: [redacted] , Compliance Contact Phone: XXX-XXX-XXXX # Contact Email: [redacted] @avantcredit.com Dear [redacted] , Thank you for using AvantCredit for your personal finance needsWe are very sorry to hear that you were unsatisfied with our serviceHere at AvantCredit, customer satisfaction is our top priority and we strive to ensure that our practices reflect that principle As you may recall, on April 7th, AvantCredit deposited funds into your bank accountThe following day, you contacted our customer service team and advised us that your identity was fraudulently used to apply for a loan without your knowledge or consentAccordingly, on April 9th, we initiated a debit to retrieve the funds that were allegedly obtained under pretensesWe also requested that you provide a police report substantiating your claim Subsequently, a second application using the exact same information from the alleged fraudulent application was submittedThereafter, on April 21st, the same account where the initial loan was deposited was funded a second time in the amount of $2, At that time, based on 1) your claim of identity theft; 2) the fact that the second application provided the exact same details as the first alleged fraudulent application; and 3) our internal fraud prevention protocol, we reasonably concluded that the second loan application was made under pretensesAs a result, we took measures to recover those funds in order to prevent any further alleged incidents of fraud Again, we apologize for any inconvenience that this process may have causedPlease understand, we acted based on the information we had available at the time and in the interest of preventing the fraudulent use of customer information Please do not hesitate to contact us if we can be of further assistance Sincerely, AvantCredit

Initial Business Response / [redacted] (1000, 5, 2014/03/23) */ 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 for this particular product is fully disclosed on the Company website, during the application process, and is detailed within your account agreementPer 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 feesWe have reached out in an effort to discuss possible payment arrangements despite the accuracy of the current monthly minimum duePlease contact our Compliance Department directly Sincerely, AvantCredit

Initial Business Response / [redacted] (1000, 5, 2014/05/09) */ Contact Name and Title: M [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 for this particular product is fully disclosed on the Company website, during the application process, and is detailed within your account agreementPer your instruction, your credit line was reduced to $1,We sincerely apologize that the reduction was not reflected in your next billing statementAs agreed, we will credit the account the difference and fully expect this to be reflected as such on your next billing statementIf you have any further questions, please contact our Compliance Department directly Sincerely, AvantCredit Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/05/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) My next payment will be debited from my bank account on 5/19/I am expecting it to be aproximately $less than it was on the previous two monthsI also expect that my principal will be reduced by the $credit that is due back to my accountThe next billing cycle will not be until 5/31/so I will not know for sure that everything that we discussed has been taken care ofIf at that time you have done as promised, I would be very happy to close this complaint and the resolution that we have been able to come toUnfortunately, I am not willing to close it until that time, as I have been told at least twice previously that this would be taken care of, only to be charged incorrectly againAs the old adage goes, "the proof is in the pudding!" I do appreciate the communication and help that [redacted] has provided thus far Final Business Response / [redacted] (4000, 13, 2014/06/12) */ Dear [redacted] , We are sorry to hear about your experiencePlease be advised that we are always working on ways to enhance the customer experience based on customer comments such as yoursWe adamantly deny the use of any illegal lending practicesHere at AvantCredit we go to great lengths to ensure a transparent and customer focused experienceUnder no circumstances do we mislead the customer or pressure the customer at any point of contact with our representatives Your account was given prompt attention and all issues were immediately correctedA revised statement was sent to the email address on fileAgain, we apologize for your frustration and any inconvenience that this might have causedPlease feel free to contact our Compliance Department directly with any additional questions Sincerely, AvantCredit Final Consumer Response / [redacted] (4200, 11, 2014/06/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) I can not believe that I am going through this AGAIN!!!! This is why I did not close this complaintI just got the new bill and not only was I once again overcharged for the monthly fee, but they also added a PAST DUE amount!!! What the heck is that for????? I paid exactly what I was told to pay!!! Previous Balance $1, New Balance $1, Payments - $ Other Credits - $ Minimum Payment Due [redacted] $ Cash Advances + $ Past Due Amount (Due Immediately) + $ Payment Due Date June 17, Cash Advance Fees Charged + $ Monthly Charges Charged + $ Unpaid Other Fees + $ Interest Charged + $ Late FeeIf you fail to pay at least the Minimum Payment Due within fifteen (15) days of its Payment Due Date, you will incur a late fee in an amount not to exceed 5.0% of the unpaid amount of the Minimum Payment or $25.00, whichever is greater *To calculate your minimum payment due add past due amount, fees charged, monthly charges charged, interest charged, and 1% of outstanding principal balance New Balance $1, Credit Limit $1, Available Credit $ Statement Closing Date May 31, Days in Billing Cycle I am seriously thinking of going to [redacted] 's Attorney General with this companyThey have clearly illegal lending practicesI was assured that this problem would be resolved on this statement and was pressured at my work to close this complaintSomething needs to be done here!

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 are aware, on January 2, 2016, you contacted Avant via email and requested assistance returning your past due loan to a current statusOn January 3, 2016, Avant provided you with a courtesy short term payment plan arrangement optionOn January 4, 2016, you agreed to a short term payment plan and authorized recurring ACH payments from the bank account on file for your payment plan paymentsThat same day, final terms and a payment schedule were sent to the email account on file confirming the agreementPlease be advised, due to an isolated process issue, your account was not opted into recurring payments as authorized in your payment plan agreementAccordingly, your payment plan payment due February 2, 2016, was not automatically debited from the bank account on filePlease note, once a due date for a payment passes and the payment is missed, the Customer Dashboard will not display that paymentOn February 6, 2016, you emailed Avant and inquired as to why your payment was not taken from the bank account on file on its scheduled dateAccordingly, on February 7, 2016, Avant updated your account to ensure future payments would be debited as agreedOn February 8, 2016, Avant responded to your email requesting that you call Customer Support regarding your account in an effort to schedule a payment within the ten day grace period of your payment planAs you know, per the payment plan agreement, payments must be made within ten days of their scheduled payment date or the payment plan will terminate.Additionally, on February 10, 2016, Avant called the telephone number on file for your account in an attempt to schedule a payment and inform you the subsequent payment plan payments would be attempted automatically as agreedDespite these efforts, you did not submit a payment within the allotted grace period to satisfy the February 2, payment and your payment plan was terminatedPer the payment plan agreement, upon termination of a payment plan, the terms and payment schedule of your underlying loan agreement will be reinstatedOn February 24, 2016, you scheduled an additional payment via your Customer Dashboard in the amount of $to be debited on February 25, On March 1, 2016, your installment payment was debited from the bank account on file as scheduledPlease note, Avant has refunded your March 1, installment payment as requestedAvant has attempted to contact you telephonically to inform you of this refund, but has been unable to reach youWe 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, or if you would like to discuss being reinstated on a short term payment plan, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

I have never in my life dealt with a company that was so unorganizedEvery day we called and we got different answersThat our loan was approved and the money will be in account in three day to emails saying we need more information, to the loan took to long and we have to start overToday I spoke to only one person that I felt knew is job( Micheal P)This company is a joke and I wish I had never started a loan with themI am telling you that all you will get from this company is the run around so find another company so you don't waste your time or energy

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, a paper check payment in the amount of $17,was received by Avant on November 23, to pay off your WebBank loan issued through the Avant PlatformWebBank is the credit issuer for the Avant Platform, a closed-end installment loan program, where Avant acts as the administrator and servicer of the programPlease be advised that there was a delay in applying this payment to your account due to an issue with our paper check processing serviceWe apologize for any inconvenience this delay may have caused.As your account reflected a balance during this delay, it remained open and, as a result, your November 30, installment payment was debited automatically from the bank account on file, per the ACH authorization you provided in your loan agreementOn December 6, 2016, this installment payment returned with a return code of [R07] which indicates that the account-holder informed the bank that the authorization for payments had been revokedAs a result, the bank account associated with your loan was marked as an invalid account and no further attempts to debit that account were made.On December 7, 2016, your paper check payment was applied to your account with an effective date of November 23, Please be advised that your account balance effective November 23, was $16,Accordingly, a refund in the amount of $has been approved for overpayment of your loan balanceDue to the fact that your bank account has been marked as invalid following the returned November 30, payment, this refund was issued via paper check and mailed to the address associated with your account on December 23, We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve youSincerely,Avant Compliance Department

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 customer service to all of our customers and take all feedback seriously.Our records indicate that, on October 28, 2015, you submitted an inquiry for credit via www.Avant.comDuring this process you consented to your credit report being pulled for underwriting purposesYour loan request was denied, and you were subsequently sent a Notice of Adverse Action to the email address provided with your loan request.On November 24, 2015, you submitted a second request for credit via www.Avant.comOnce again, your request was declined, and you were sent a Notice of Adverse Action to the email address provided with your requestOn November 27, 2015, you submitted a third request for credit via an affiliate, Affiliate BrosOnce again, you consented to your credit report being pulled for underwriting purposesYour loan request was subsequently declined, and a third Notice of Adverse Action was sent to the email address provided with your requestOn December 19, 2015, you submitted a fourth request for credit via an affiliate, [redacted] Your loan request was again declined, and you were sent a fourth Notice of Adverse Action to the email address provided with your requestPlease be advised that these inquiries will not negatively impact your FICO scoreThe Equal Credit Opportunity Act (ECOA) requires creditors to notify customers, within days of taking adverse action on an existing account, of the specific reasons for the action taken or the applicant’s right to a statement of the specific reasons The Fair Credit Reporting Act (FCRA) requires additional disclosures when adverse action is taken based on information received from a consumer reporting agency Consequently, a Notice of Adverse Action will be sent any time a loan request is declined by AvantThe notice is designed to help consumers by providing transparency to the credit underwriting process and requires the creditor to explain the reasons adverse action was taken.Additionally, we take allegations of fraud very seriously here at AvantIf you believe you have been the victim of identity theft, then at your request we can forward your information to our Fraud Department for further investigation, at which point an Identity Theft Affidavit must be completedWe also request that you send any evidence that you may have regarding your identity theft to [email protected] to assist with the investigationHere 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

Dear Bessie ***,We are in receipt of your complaint with the Revdex.com (Complaint ID # 11094567)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 December 22, 2015, you contacted Avant telephonically and made a payment via debit card for your January installment, which was due on January 4, On December 23, 2015, you again contacted Avant via telephone and received a payoff quote for January 15, in the amount of $10,Due to an isolated system issue, this quote incorrectly assumed that your installment due on January 4, was still outstanding, and that this installment would be paid in addition to the quoted payoff amountOn January 19, 2016, Avant received a check in the amount of $10,As a result of the above-referenced issue, a remaining balance in the amount of your January installment was left on your account after this check was processedIn order to resolve this matter, Avant has waived this balance, and your account is now paid in fullOn January 29, 2016, Avant contacted you telephonically and you indicated that you were satisfied with this resultAs such, we consider this matter to be resolvedHere 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 seriouslyOn April 11, 2015, you submitted a loan request with Avant of California, LLC (“Avant”) via a marketing affiliateThat same day, your loan was approved and you signed a loan agreement detailing the rates and terms of a closed-end installment loanFunds were issued to your bank account on or about April 13, Per the terms of your loan agreement, information such as late payments, missed payments, or other defaults on your account may be reflected in your credit reportOn March 18, 2016, at your request, Avant provided you with a payment plan arrangement that established an alternate schedule of reduced payments in order to assist you in repaying your loanPer the terms of the payment plan agreement, if any payment plan payment is more than ten (10) days late, the payment arrangement will automatically terminateThe payment plan agreement clearly stated that the terms of the original underlying loan agreement, including the original payment schedule, shall be reinstated if the payment arrangement is terminatedPer your payment plan agreement, a payment of $was due on July 28, As this payment was not received within ten (10) days of its scheduled due date, your payment plan arrangement was terminated and the terms of your underlying loan agreement were reinstatedAccordingly, your account entered into a past due status, as the total amount of payments you had submitted did not satisfy the total amount of payments owed under the terms of your original loan agreementOn August 25, 2016, twenty-eight (28) days after your scheduled payment plan payment date, you contacted Avant in an effort to schedule your $payment plan paymentPlease note that, while your payment plan was correctly terminated, you should have been provided the option during this call to schedule a payment to be applied towards your original payment schedule and past due balanceDue to an isolated process issue, you were informed that a payment could not be processed on the account at that timeWe apologize for any inconvenience this miscommunication may have caused.Later that day, you contacted Avant via email and requested an explanation of your credit reporting statusFollowing a thorough review of your account, Avant responded to your credit reporting inquiry via email on September 21, and advised that the information reported to the credit bureaus following the termination of your long term payment plan was correct, as your account was over days past due under the terms of the original loan agreement, effective the date of your inquiryAs a payment scheduled on August 25, may have reduced or satisfied the past due account status which was subsequently reported to the credit bureaus, Avant has elected to file an update for your account as a courtesyThis update was filed to the credit reporting agencies on October 12, Please note that the credit reporting agencies follow their own policies of updating credit reports and it may take a few days for this update to reflect on your credit reportWe 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

Complaint: [redacted] I am rejecting this response because: The Avant company stated that they could not give me a lower percentage on the interest rate they charged me due to my creditI'm not sure what they were looking at because at that time frame I was approved for higher increases on my credit cards through Capitol One and Wells Fargo and in addition I was pre approved for a new car loan which I declined at this timeIf in fact my credit was not good enough as they stated, I would not have been able to get better high profile lenders and rate increasesIt is troubling to know that this business is charging such extreme amounts to consumers when they are in need to better themselvesI have clearly established myself and have worked hard to obtain better creditI want to have a lower interest rate so I can pay off this loan and be finished with itThank you Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: I DO NOT owe $plus $( for a total $465.98) on March 22, All I OWE is ONE FINAL PAYMENT OF $due on March , 2016, which will be a total of payments as scheduled, per my contractYou are trying to get Payments from me, and your NOT EXPLAINING WHY OR WHERE THIS EXTRA $plus is coming fromWHEN ANYONE REQUESTS A PAY OFF AMOUNT, THE FULL AMOUNT IS ALWAYS SUPPOSED TO BE GIVEN, and that's the amount I have in WRITING, that will be presented in court in front of the Judge WHO WILL AGREE! Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: I have the original copies of the two filed Police Reports which do indeed show Avant as one of the Creditors I was disputing because I also have the ongoing documentation that was not provided to you by the [redacted] Credit Bureau concerning this urgent matter "I do, have the Snipping Photo Copies I made directly from my Credit Report with [redacted] Credit Bureau!" I also provided, two or three of my Bank Statements that show I finally did settle the account under a, "Agreed Settlement Contract because Avant continued to report late payments when I was making them, "Even to the event that after the fact in which [redacted] Credit Bureau allowed them to do this which should be considered illegal as I informed [redacted] on numerous occasions that Avant was still charging me on this account up till the last weeks of April, and we had settled this account on December 8th, 2015! So, I ask why is it alright that [redacted] Credit Bureau get to exclude this type of behavior by Avant Inc, yet when I try to state my facts they are not accepted! This should not be allowed as it did effect my credit report as I will be faxing you over the documents for you all to see as I can see that [redacted] Credit Bureau did not provide this most important information to you all and they should have In fact, aside from the fact that [redacted] allowed Avant to go on making repeated changes up to four months after we settled this account if you study the police as well you will see that Avant is listed on the very top of those accounts I filed as being fraudulent as that is what was going on! "At one point, [redacted] 's Dispute/Fraudulent Supervisor informed me that as long as they had fixed all the problems they saw nothing wrong with what had occurred! So, again, is this some type of double standard business code of ethics because if is, "I find it to be very illegal per the, Consumer Law in the Truth and Lending Acts! Why, did they allow Avant to get away with this and I am being punished for what I did correctly! "I seriously would like to know why [redacted] Credit Bureau did not provide you with the very factual documents that I supplied to them to show them the illegal business practices of Avant Credit! I am not only disputing the so called, "Late Payments" that I could only supply a few of my bank statements but I am disputing the very fact that, "My Rights were violated by Avant and [redacted] Credit Bureau as I mentioned, up to four months after the account was suppose to be, "Settled and Closed!" I find this business behavior to be unethical, unprofessional and illegal;" YET, I am not to say a word about it?" I will provide via fax all the, Snipping Photos I made while [redacted] allowed this to go on!" "Is these ongoing activity, not a violation of my consumer rights under the Law? "I also, received from Avant Credit, in August 2016, a Tax Document that clearly states that the account was, "Closed!" And in this Tax Document from Avant, it states I should file it as 1099? "This too does not even make sense but I am sending it to you all to see that I am telling you the truth! My main question and concern is why, "Is both Avant and [redacted] Credit Bureau allowed to conduct such time business? And make claim that my records I provided to them do not show Avant in the Police Reports or nor do they have the documents I am going to be sending you to prove what went on for up to four months after this account was, "Settled and Closed!" Plus, I will also send you a copy of our Settlement Contract so you can read the writing of its contents which does in deed state, this Account with Avant is, "Forever Closed and deemed Void!" Please watch for these documents to be sent to you by me via FAX You should receive tomorrow, December 9th, I give all content to have this investigated as you will now have the documents you need! (This illegal behavior has indeed cost me a lot of money and it should not be disregarded as nothing at all because it is ethically and morally wrong in my opinion! Sincerely, [redacted] Sincerely, [redacted]

Dear [redacted] We are in receipt of your complaint with the Revdex.com (Case [redacted] Accordingly, an investigation into your account is pending and we will provide a response to your complaint as soon as possibleWe appreciate your patience and cooperation in the matter If you have any immediate questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you Sincerely, Avant Compliance Department

I applied for loan on October 8, I was informed by Avant that I was approved for $I provided all of the requested documents, and communicated by phone or timesI actually spent over hours on hold between 10/8/and 10/15/15, and I was even disconnected on one occasion, after being on hold for nearly an hourAvant's customer service representative was kind and thorough in handling my questions, but there wasn't any follow through from AvantOn 10/15/15, I was informed my application expired, and a new loan application was activatedThe new application was activated when I logged on to my account to check my status because a contract required my signature was on my screen, and I wasn't able to navigate on my account, without signing the contractI was not aware the contract was for a new application, and I was not aware my original contract had expiredDue to Avant being in possession of documents containing my personal and financial information, on 11/5/15, I logged on to my Avant account to verify there has not been any activity on itOn 11/6/15, I received an e-mail from Avant stating I applied for a loan on 11/5/15, and it was declinedI did NOT apply for another loan on 11/5/15, nor will I ever apply for a loan from AvantBased on information I located on the internet, Avant is rated four and a half stars out of five stars in comparison to other lenders, but my experience with Avant did not reflect the practices of a company worthy of a positive reviewIn my opinion, Avant was misleading, and their customer service was deplorableIn addition, I am now concerned about the possibility of fraudulent use of my personal and financial information due to the notification stating that I applied for a loan on 11/5/15, when I did not apply for another loanI e-mailed my complaint to Avant, and they replied, informing me they deactivated my account, and they referred me to their privacy policy regarding my concern about my financial informationAlthough my complaint to Avant was handled, it should still be noted that their methods are suspicious, and their communication is painfully time consuming

Initial Business Response / [redacted] (1000, 7, 2015/09/14) */ 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 July 21, 2015, you contacted Avant via email in an effort to change your payment scheduleAvant responded to that email with information regarding the terms of your proposed schedule change and notifying you a response was required acknowledging your consent to the included termsAs that consent was never given, we were unable to update your schedule as requestedPlease be advised that for security reasons, all email communications regarding your account must be done via the email address associated with the account As a courtesy, we have applied credits to your account relating to any Non-Sufficient Funds charges and late fees related to the August 22, payment As a result of your failure to make your complete August payment, your account has fallen into a "Late" statusYour account must be in a "Current" status in order to effect a payment schedule changeWe have attempted to contact you regarding this matter, but have been unable to reach you 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, 9, 2015/09/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) I spoke with the company and they said they would fix it and never didI gave another consent in August and they disregarded that too Final Consumer Response / [redacted] (4200, 13, 2015/10/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) They lied about their response but what can I do at this point probably nothing Final Business Response / [redacted] (4000, 11, 2015/10/02) */ Dear [redacted] We are in receipt of the rebuttal pertaining to your complaint with the Revdex.com (Case #XXXXXXXX)In an effort to help restore your account to a "Current" status, Avant attempted to contact you telephonically on multiple occasions prior to responding to the Revdex.com As explained in our initial response, your account must be in a "Current" status in order to make a payment schedule changeYou provided consent for a payment schedule change on August 25, 2015, but, as a result of your failure to make your complete August installment payment when due on August 22, 2015, you were determined ineligible to request a schedule change at that time Please be advised that following your payment on September 22, your account has been returned to a "Current" statusAs such, you are now eligible to request a payment schedule changeTo update your payment schedule, please contact Customer Support with your request at X-XXX-XXX-XXXX or by email to [redacted] @Avant.com from the email address associated with 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

Dear [redacted] ***We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] )Here at Avant we pride ourselves in providing excellent service to all of our customers and take all feedback seriously We are sorry to hear that you are dissatisfied with your customer experience with AvantFirst, we want to thank you for choosing Avant Our records show that you have been a customer since May, In May, you, like many of our customers, chose the convenience of recurring monthly remotely created check (“RCC”) debits to your bank account to make your monthly payments under the loanIn June, 2015, you requested to opt out of recurring RCC paymentsSubsequently, you updated the bank account on file and consented to opt in to recurring automatic payments via ACH.In reviewing our records, we noted that on October 14, 2015, you submitted a timely request via e-mail to opt out of automatic payments and an additional request to move your November installment payment Through a series of communications that followed these requests, Avant moved your November installment to the end of your loan term, but due to an isolated process issue, we did not update our system to stop the automatic ACH payments Our records show that in December, we had several communications regarding your payment and updating your bank account information However, because of the aforementioned isolated issue in canceling your automatic payments, we submitted a debit to your bank account, respectively, on December 21, 2015, and on January 19, However, please note that the January 19, payment has since returnedOn January 19, we received email correspondence confirming your instruction to cancel the automatic payment service and debits to your bank account You indicated at this time that you intended for the December payment to be automatically debited, but did not wish to opt in to recurring automatic paymentsOn January 24, 2016, Avant contacted you and indicated that your account was under review, and that we would reach out once the investigation concludedOn February 4, 2016, you contacted Avant via e-mail and advised that you did not wish to receive any form of communication from Avant As a result, we have been unable to contact you directly to resolve this matterWe apologize for our process issue and any inconvenience we have caused youWe have completed the review of your account, and confirmed that no further payments will be debited from the bank account on file unless we receive your explicit authorization As a courtesy, we have waived your January installment payment.Additionally, we will reimburse any fees assessed to you by your bank Please submit documentation in the form of a bank statement or transaction detail showing the disputed debit, as well as the full amount of any fees, so that Avant may begin the reimbursement processIf 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

This is just a patch over for a person in need of an emergency money . They lend the money but just like anything else you pay with an arm and a leg with the interest . I wished if there was another alternative I will not borrow from them but I was very in need at that moment..will not recommend for anybody

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 are aware, Avant contacted you telephonically on April 14, in an effort to address your complaintYou were advised Avant reports to the credit bureaus on a monthly basisThe files which we send to the credit bureaus contain credit reporting information for the previous monthsAs of the date of your complaint, credit reporting files for both January and February had already been released to the credit reporting agenciesAdditionally, you were informed the file for the month of March was scheduled to be sent to the credit bureaus within a week of the date of the callYou expressed that you were satisfied with this explanation.Accordingly, Avant considers this matter resolvedHere 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 youSincerely,Avant Compliance Department