AVANT

Dear [redacted] We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant we pride ourselves in providing excellent customer service to all of our customers and take all feedback seriously.As you are aware, on October 24, 2015, you contacted Avant in order to schedule a payoff paymentAvant provided a payoff quote of $2,for October 26, 2015, and a payment was scheduledOn October 26, 2015, Avant attempted to take the payment via ACH from the account on file as agreedOn October 28, 2015, this payment returned with a return code of [R08], which indicates that the account holder had set up a stop paymentPlease be advised this was not the first payment that Avant had attempted that had returned with the [R08] return codeMoreover, pursuant to your request on July 13, 2015, your account was marked “Do Not Call.” On November 20, 2015, you contacted Avant regarding your account and you were informed of the October 26, returned paymentOn November 23, 2015, you contacted Avant again in order to schedule a payment on November 24, for $2,473.36, which was the payoff quote payable on October 26, During this call, you requested the additional interest that had accrued since the October 26, payoff quote be waived.Please be advised that payment files for ACH payments are sent out one business day in advance in order to ensure the payment is taken on the proper dateAccordingly, a payment file was sent to your bank on Friday, November 27, for the regularly scheduled monthly payment due Monday, November 30, As your outstanding balance as of November 27, was less than your installment, a payment in the amount of $was debited from the bank account on file.Later, on November 27, 2015, your payment scheduled for November 24, in the amount of $2,was returned with a [R08] return codeOn November 30, 2015, the payment in the amount of $was successfully processed by your bank.On December 1, 2015, you contacted Avant and scheduled a payment for December 2, in the amount of $2,364.29, which is the payoff amount for October 26, less the amount of the November 30, paymentAt this time, you again requested that the remaining interest be waivedThis payment was successfully processed by your bank.As Avant has not identified any payment processing issues, Avant is unable to honor your request to waive your remaining loan balance.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

Be aware that if you begin an application but do not click on submit, Avant still treats it like a submitted application, including running a "soft" credit check on you Additionally, it will begin phone calls from them to get you to complete the application After not submitting, I received an email stating my loan was denied I spoke with them on the phone, let them know that I thought they had no right to continue with my UNSUBMITTED application They are assuring me that they will remove my information from their system...which I hope is true This just seems rather "heavy-handed" to me that they would treat an unsubmitted application as a submitted one

Despite repeatedly writing and calling to opt out, this company continues to send me unsolicited pre-approved loan and credit offersI do not want themI think times is enough to opt out for them to get the message

I applied for a loan on 11/10/went through the short simply pre-app and was approved for the $i pick the APR I would like, read and printed the contract, filled out all of the employment info and electronically signed iton the next screen it stated they could not provide me with a loan at this timeThey gave no legit reason as to why even with a web chat with the rep and I call to speak with someone, no-one was able to explain why after being approved, why was I not granted the loannot to forget it did show my credit score which was 651, my income was $after deductions monthlyso it seems it denied for no reason and it was a complete waste of my mins

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.According to our records, on June 3, 2014, you initiated an inquiry for credit and signed an account agreement with Avant Credit of Maryland, LLC (“Avant”), agreeing to the rates and terms of a proposed credit lineOn June 12, 2014, your line of credit was approvedAccordingly, funds were issued to the bank account on file on or about June 13, 2014.On May 17, 2016, a payment was attempted from the bank account on file for the minimum payment due for that month, as defined in the account agreementThis payment returned on May 18, The return code for this payment indicated that insufficient funds were available to satisfy the payment that was attempted.On June 2, 2016, you contacted Avant in an effort to update your bank accountYour bank account was updated during this callIn order to verify the bank account you provided was a personal checking or savings account in your name, Avant advised you that documentation such as a voided check or bank statement was requiredAdditionally, Avant informed you that payments could be scheduled from the updated bank account at that timePlease note, per your account agreement, a late fee will be assessed to your account if the monthly minimum payment due is not made within fifteen (15) days of its payment due dateAs your May 17, payment was not made within this time frame, a late fee was assessed to your account on June 2, On June 3, 2016, your periodic statement for the month of May was sent to you via emailThis statement detailed your account status through May 31, Accordingly, it did not include the fee assessed on June 2, This statement listed the upcoming minimum payment due, effective May 31, 2016, as $On June 15, 2015, you contacted Avant telephonicallyDuring this call, Avant confirmed that the bank account on file had been updatedOnce again, Avant informed you that addition documentation would still be required to verify the updated bank account informationYou provided a bank statement during this call to satisfy this requirementOn June 17, 2016, the minimum payment due was debited from the bank account on file as agreedPlease note, per your credit line agreement, the minimum payment due each billing cycle will equal the interest accrued during the billing cycle, an amortized portion of the cash advance fees, a percentage of the outstanding principal balance as detailed in the agreement, and any late payment fees and returned payment feesAccordingly, the minimum payment debited from your account included the late fee assessed June 2, 2016, making the total minimum payment due, effective June 17, 2016, equal to $1,030.28.Per the ACH authorization you provided in your credit line agreement, you authorized Avant to automatically debit the minimum payment due on each scheduled payment dateAdditionally, you further authorized Avant to initiate separate electronic debits for any applicable late charge or returned payment fee, as detailed in the agreementOn June 18, and June 19, 2016, you contacted Avant via telephone disputing your authorization for the late fee to be included in the minimum payment due for the payment processed on June 17, During these calls, you also requested copies of your monthly statements for the past yearOn June 20, 2016, you contacted Avant via email to dispute the debited amountYou also provided notice that you revoked your ACH authorizationYour account was updated accordinglyThat same day, a written explanation was provided of the assessed fee and calculation of the minimum payment due for June 17, 2016, as defined by your line of credit agreementOn August 19, 2016, in accordance with the “Desired Settlement” as listed in your Revdex.com complaint, copies of the monthly statements that were initially provided via email from June through May were once again sent to the email address on file for your accountPlease note that the minimum payment due as listed in each of these statements may have increased prior to the upcoming monthly payment due date if additional fees were assessed to your accountWe trust this explanation resolves this matterWe are confident we comply with all applicable state and federal rules, laws, and regulationsAt 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 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 on November 3, 2015, you contacted Avant via e-mail inquiring about where to send a check to pay off your loanThat same day, Avant responded to your inquiry with our mailing address.On November 12, Avant contacted you via e-mail advising you that a payment via paper check in the amount of $4,had posted to your account, effective November 10, Please be advised that this payment was in excess of your outstanding balance as of November 10, 2015, which was $4,Payments made via paper check can take up to fourteen (14) days to confirm funds have been receivedAccordingly, any applicable refunds for overpayment in paying off the loan may take up to three (3) weeks to send back to the customer.It should be noted that the month of November contains two bank holidays, including Veteran’s Day and ThanksgivingAs such, a refund in the amount of $was sent to the bank account on file, effective December 2, Accordingly, we contacted you on December 3, to confirm your receipt of the funds, and you indicated were satisfied and considered this matter resolved.Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at Compliance [redacted] We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Initial Business Response / [redacted] (1000, 5, 2015/07/17) */ 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 On Friday, May 29, 2015, you contacted Avant via email requesting a payoff amount for your loanIn this email, you indicated that you wished to pay off your loan within the upcoming daysAs such, later that day Avant responded to your email with a payoff quote in the amount of $6,You were advised in this email that the payoff quote would be available until June 1, You were also given information regarding how to find your payoff quote on your Customer Dashboard, should you wish to receive a quote for a different date On June 9, 2015, Avant received a paper check in the amount of $6,As this check was received after the date that the original payoff quote was due, additional interest accrued on your accountConsequently, a balance remained on your loanThis balance, in the amount of $48.39, was drafted from the bank account on file on June 23, 2015, your regularly scheduled repayment datePlease note that your loan is now paid offAdditionally, we are confident we comply with all applicable state and federal rules, laws, and regulationsWe apologize for any inconvenience As a result of your dissatisfaction with our customer service team, we have initiated a refund in the amount of $to your account as a courtesy 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 Consumer Rebuttal / [redacted] (2000, 7, 2015/07/26) */ (The consumer indicated he/she ACCEPTED the response from the business.) Provided refund

Initial Business Response / [redacted] (1000, 5, 2014/08/21) */ 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 loan with AvantCredit in which you dispute the accuracy or completeness of information in your credit reportAfter thoroughly reviewing our records, as well as any information provided by you and the consumer reporting agency, AvantCredit is unable to make a modification to your credit reportAccording to our records, the information AvantCredit submitted to the consumer reporting agency correctly describes your loan activity The complaint states that AvantCredit reported your loan as days late as of June There is no evidence that you were reported as late in June in our records nor in the information provided by you and the consumer reporting agencyIf you do not believe this is an accurate representation of your reporting history, please contact us at your earliest convenience and provide any documentation you believe supports your position Per your installment agreement with AvantCredit, your regularly scheduled installment was due on 5/21/We failed to receive this paymentAs noted in your complaint, on 5/28/we agreed to split the missed payment into two separate paymentsYou agreed to make the first payment on 6/03/via credit card and the second payment was scheduled to debit out of the account on file on 6/13/Unfortunately, we never received the 6/03/payment as agreedTherefore, as of 7/01/your agreed upon installment payment on 5/21/was more than days late Under the Fair Credit Reporting Act, AvantCredit is unable to remove or modify any information submitted to a consumer reporting agency if the information is found to be complete and accurate While we are unable to modify your credit report at this time, we value you as a customer and appreciate your cooperation in this matter Sincerely, AvantCredit

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 AvantWe pride ourselves in providing excellent service to all of our customers and take all feedback seriously.As you know, on April 26, 2016, Avant contacted you telephonically regarding your complaint about the balance of your loan reflected on your customer dashboardDuring this call, Avant informed you that the remaining balance on your account had been waived and your loan is reflected as paid in fullYou indicated that you were satisfied with the resultAccordingly, we consider this matter resolvedWe 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 [redacted] We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Dear Jenavive [redacted] ,We are in receipt of your complaint with the Revdex.com (Complaint ID # 11100759), and 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.Upon review of your account, we have determined that on July 25, 2015, you contacted Avant via e-mail in order to set up a payment to pay off your loan in fullAccordingly, Avant sent you an e-mail confirming a payoff payment in the amount of $1,to be debited from the bank account on file on July 27, 2015.On August 11, 2015, Avant sent you a notice via e-mail confirming that your loan was paid in fullPlease be advised that Avant reports the previous month’s history to the credit bureaus on a monthly basisAccordingly, your account was reported as ‘paid off’ to the credit bureaus on or around one month after you paid off your loanOn October 30, 2015, Avant received a paper check from you in the amount of $1,Due to an isolated process issue, the refund of this additional payment was not properly initiatedWe apologize for any inconvenienceUpon discovering this issue, the refund request was initiatedThe issue has since been resolved, and a refund in the amount of $1,has since been sent to the bank account on fileAccordingly, we consider this matter resolved.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 am disappointed that my loan was deniedIt posted that I was approved but after I entered my acctInformation and agreed to the loan termsIt said I was deniedBig waste of time and a credit inquiryNo where did it state I could be deniedNow they have my bank informationNot a good way to do business

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 April 25, 2015, you submitted an inquiry for credit with AvantThat same day, you were approved for a loan in the amount of $1,and executed a loan agreement outlining the termsIt should be noted, the terms of your loan agreement were clearly and fully disclosed on the company website, during the application process, and in your signed loan agreement.On May 26, 2015, you made an additional payment in the amount of $via paper checkOn August 30, 2016, you contacted Avant telephonically and requested that Avant apply your additional payment from May 26, to your upcoming installment payment due on September 12, That same day, your account was escalated to the appropriate department to make the changes as requestedDue to an isolated process deficiency, Avant was unable to honor your request prior to your installment payment due dateAs a result, on September 12, 2016, your installment payment in the amount of $was debited from your bank accountOn September 26, 2016, Avant issued you a refund in the amount of $for your September installment payment, and the additional payment you made in May of was used to cover this installment paymentAdditionally, Avant has found that we are unable to waive the remaining balance on your accountPlease be advised, the terms of your loan agreement are considered in accordance with established credit policyOnce issued, the terms are fixed until your loan is repaid in fullIf you are experiencing difficulty making payments, we advised you to contact Avant Customer Support at [redacted] to discuss our various payment 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 [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 seriouslyAs you are aware, on August 19, 2016, Avant emailed a response to a recent inquiry you submitted regarding an August 9, charge on your account, informing you that the charge in question had been identified and a refund would be issued shortlyOn August 24, 2016, a representative of the Avant Compliance Department contacted you via telephone in an effort to address your complaintYou were informed that a technical issue with one of our vendors resulted in a debit card payment, initially scheduled November 16, 2015, being initiated on August 8, and processed on August 9, During this call, you confirmed the refund detailed in the August 19, email had reached your account.Additionally, you were informed that your account was reported as 30-days past due effective May 31, in a recent credit reporting file as a result of your installment payment scheduled April 28, not having been satisfied in full by May 31, You were also informed that your account has since been reported as current for the June and July reporting periods.As expressed in the phone call, Avant would like to apologize for any inconvenience the August 9, debit may have caused.We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve 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 service to all of our customers and take all feedback seriously.As you are aware, on October 12, 2014, you contacted Avant and requested that your installment payment due November 22, be moved to the end of your payment schedule using a one-time courtesy deferralIn addition to this initial courtesy payment deferral, you have utilized grace period movements for four (4) other scheduled installment payments.Please be advised, per your loan agreement, daily interest will accrue on the principal balance of your loanBy utilizing courtesy deferral and grace period date adjustments, you have accrued additional interest on your loan balance.On December 10, 2015, you contacted Avant telephonically and requested a payoff quote for March 22, Avant provided you a payoff quote for that date in the amount of $Avant informed you in this call that the payoff quote was subject to change and the amount provided assumed all scheduled payments prior to and on the date of quoted payoff payment would be made Accordingly, the payoff quote you were provided assumed that all scheduled installments from December 10, 2015, up to and including the installment scheduled for March 22, 2016, would be made in addition to the payoff amount quoted for March 22, A confirmation of this information was also sent via emailOn February 11, 2016, you contacted Avant and requested a payoff quote for February 12, 2016, and received a quote in the amount of $for this datePlease note the requested date fell before any upcoming scheduled installmentsConsequently, the amount quoted reflected your entire loan balance as of that datePer your payoff quote email, Avant will honor the payoff amount quoted on December 10, 2015, for March 22, 2016, provided that both the quoted payoff payment and the installment payment due that same day are madeIf all amounts are paid per the terms detailed in your payoff quote email, your loan will marked as paid in fullWe trust this explanation resolves this matterHere at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve youSincerely,Avant Compliance Department

Dear [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 February 23, 2016, you submitted an inquiry for credit at www.Avant.comYou were pre-approved for a loan from WebBank via the Avant Platform, pending final verificationPlease note, the loan request process clearly discloses that loan funding is subject to final verification of the information submittedYou subsequently contacted Avant regarding an e-mail verification step of the loan request processThe Avant representative correctly informed you that, other than the email verification step, there was no further action required from you at that time.Later that same day, upon review of your loan request, Avant determined that additional verification of the income you claimed was requiredAccordingly, an Avant representative contacted you requesting documentation of your claimed incomeYou subsequently e-mailed Avant and requested your bank account information be removed, and requested that Avant no longer contact you via phone or e-mailPlease be advised that federal regulations under the Equal Credit Opportunity Act (ECOA) require Avant to keep all applicant information, including bank account information, for a minimum of monthsThese regulations prevent an institution from deleting informationPlease note, all information we gather is used only in accordance with WebBank and Avant’s privacy policies, and protected by data encryption softwareThis software ensures that, even in the event of a security breach, the information will be unintelligiblePlease note, you are still eligible to apply for a loanIf you would like to continue with the loan request process, please contact Customer Support at [redacted] or at [redacted] to continue with the verification of the information provided in your loan requestWe 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 youSincerely,Avant Compliance Department

Complaint: [redacted] I am rejecting this response because: The response stated that they comply with all state and federal laws, yet they ignored my request againUtah law states, in which they are governedspecifically: According to Title 7, Chapter 23, Part 4, Section (3)(b) states that my credit report shall be modified to reflect the status of the new loan or repayment plan, and not the previous loan which was in default, as follows: A deferred deposit loan may not be considered in default during the extended payment plan period if the person who receives the deferred deposit loan complies with the terms of the extended payment plan However, they clearly stated that they would not update my credit report to reflect the new repayment plan that is in default, which is not compliant with the foregoing statute Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2014/09/03) */ Contact Name and Title: M [redacted] , Compliance Contact Phone: XXX-XXX-XXXX # Contact Email: [redacted] @avantcredit.com Dear Mr [redacted] , We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX)We are sorry that you are dissatisfied with your customer experience with AvantCreditAfter reviewing your account, we have found that you began your application on August 16, During the approval process, our verifications team does an extremely thorough job ensuring that your employment and income is confirmed in order to prevent identity theft and fraudPlease be advised that all financial companies including both AvantCredit and [redacted] are required by federal law to collect customers' personal information to run their everyday business purposes, such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausTo protect your personal information from unauthorized access and use, we use security measures that comply with federal lawThese measures include computer safeguards and secured les and buildingsFurther, federal and state law requires us to keep all application information for a minimum of months Our verifications team spent a total of three (3) days attempting to verify your employment between August 17-20, During this period, we also requested a recent paystub to try to expedite the processBecause your business check did not qualify as a proper paystub, our team erroneously emailed you asking to upload both (1) your most recent Tax Form (both pages) with accompanying schedule(s) C, E, or F OR your most recent Tax Form with Kas well as (2) personal bank account verificationWe apologize for this communication Per our records, after the confusion regarding employment documents, you decided to cancel your application on August 24, We certainly understand your frustrationWhen reviewing your account in detail, we found that you are still eligible for a loan so long as you simply upload your tax formWe will be able to process that immediately and encourage you to complete this process Here at AvantCredit we pride ourselves in providing excellent customer service to all of our customersIf you require any assistance in continuing your applications or have any other questions or concerns, please do not hesitate to contact our Compliance Department at [redacted] @AvantCredit.comThank you for your time and we look forward to hearing from you Sincerely, AvantCredit Compliance Department

On Wednesday I applied for a small loan through here in order to consilidate some debt and do ome work on my credit scoreThursday, they called me at work times asking the same questions: "Do you work at ___?" (Well yeah, you're calling me on the business line...) "You're pay is deposited directly on __ and __ of each month?" "Do you have any other income you'd like to claim?" I answered the questions each time they called, despite getting annoyed with them 1) calling me at work and 2) asking the same questionsagainand againand againFriday comes, they call me at work and need me to send copies of my license, the need copies of my paystub, oh and get thisthey need my username, password, and pin to log into my personal bank accountReluctantly I gave it to them, but quickly called my bank and changed everythingOh, and did I mention they needed to verify the same information they did on Thursday? Whatever, Saturday comes and I get an e-mail to sign the contract for my loanNow, I thought the annoying phone calls and e-mails were done, so I tried opening the link they e-mailed me to sign the contractThe link only opens the dashboard for the status of my loanOkay, I give it timeSunday comes, I try again to open it and there's no luck, so I call their customer service lineLow and beholdthey need to confirm my place of employment, dates I'm paid, and direct deposit statusAGAIN! Fine, we go through all that and the lady says I'll get an e-mail in 24-hoursGreat, thanks! Well, It's now Sunday night, and I got an e-maildenying the loan, even though they sent an e-mail to sign my loan contract! Are you kidding me? I work with you, confirm my information, despote the calls to my work, my cell, and my e-mail asking the same questions more times than I can countAbsolute waste of timeAnd at 34% APR to bootDO NOT apply for a loan here, do your research, I should have listened to the bad reviewsX out of Avant's window and go elsewhere!

I received a loan from avant the loan companyBut before the first payment was due I had paid them back all that I had borrowedBut they said I still had to make that first payment which at that time I agreed to begrudgingly, but wanted it cleared I told them to go ahead and take the paymentBut they never didThen the next month they send me another email saying a payment is dueWhich at that time I called them again and the same thing happenedBut the payment was never takenEven though I had already paid the loan offI logged into the site it said I had paid it offThen I get an email saying my acct was paid in full and thanks for my businessThen this month I get another Email saying that there was a system glitch and I need to pay that first payment (I got this loan in May paid it back in full by June before it was due)I logged back into the site (this is Sept) and now see that my acct is now back open and they are deducting money off the money I paid in full for my acctThis is crazy

Dear Shawn ***, We are in receipt of your complaint with the RevDex.com (Complaint ID # 10931562). We are sorry to hear that you are dissatisfied with your customer experience with Avant. Here at Avant we pride ourselves in providing excellent... customer service to all of our customers and take all feedback seriously. Additionally, we would like to thank you for your service in the United States Army.Please be advised you were reported late for failure to make your July 1, 2015 installment payment when due. Following receipt of your credit reporting inquiry on September 23, 2015, Avant informed you via email that upon thorough review of your account we found that all information reported to the credit bureaus on behalf of your account was accurate. As you know, Avant contacted you telephonically on November 3, 2015 in response to an additional inquiry and informed you that your information continued to be reported accurately. Moreover, as of today’s date, Avant can confirm the information reported to the credit bureaus on behalf of your account is accurate. Please be advised that the Fair Credit Reporting Act prevents us from removing any information from your credit report which is found to be accurate and complete. We encourage you to contact the individual bureaus, Transunion, Experian, and Equifax, for more information about how the information reflected in your credit reports impacts your credit score. We trust this explanation resolves this matter. Here at Avant we go to great lengths to ensure a transparent and customer focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [email protected]. We appreciate the opportunity to serve you. Sincerely, Avant Compliance Department