Complaints

This profile includes complaints for Avant, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Avant, LLC

  222 Merchandise Mart Plz Ste 900 Chicago, IL 60654-1105

  
• 

  Avant, LLC

  222 Merchandise Mart Plz Ste 900 Chicago, IL 60654-1105

  
• 

  Avant, LLC

  640 N La Salle Dr Ste 535 Chicago, IL 60654-3731

  
• 

  Avant, LLC

  Alabama Service Area Montgomery, AL 36104

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/03/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I sent a payment check April 23. Avant cashed that check April 29 2025. And, failed to post that amount on my account. I have proof from competence bank that the check was endorsed by Avant. I want the stated amount to be posted on my Avant account. I had called ********************** today 6/3/2025. Acquiring about my Check ***** informed me there was no information about the mailed check.

  

  Business Response

  Date: 06/10/2025

  
  
  Dear ******* *******,
  
  
  We are in receipt of your complaint with the Better Business Bureau Complaint ID #********.  We are sorry to hear that you are dissatisfied with your customer experience. At **********************, we pride ourselves on providing excellent service to all of our customers and take all feedback seriously.
  
  
  Our records indicate that on June 15, 2024 you were approved for a WebBank-issued installment loan via the Credit Karma Platform. WebBank is the credit issuer for the Avant platform, where Avant operates as the administrator and servicer of the program.
  
  
  According to your BBB complaint, a check payment for your loan was mailed on April 23, 2025, and was endorsed by Avant on April 29, 2025. However, the amount has not yet been posted to your account, despite having provided proof from your bank that the check was endorsed by Avant. You contacted Avant customer support on June 3, 2025, to inquire about the status of this check and were informed by the agent that there was no information available regarding the mailed check. The customer is requesting a billing adjustment for the amount of $1,800.00, which corresponds to the check issued.
  
  
  Upon receipt of your BBB complaint, your account was escalated for further review.
  
  
  On June 3, 2025, you contacted Avant customer support because you indicated that the aforementioned check for $1,830.00 was endorsed by Avant on April 29, 2025. The agent informed you that there was no record of the check being applied to your account. The agent asked you to confirm the address where the check was sent. You advised that it was sent to Avant's physical address at ***************************************************. The agent informed you that, going forward, your loan payments should always be sent to Avant LLC, P.O. Box ******, *****. To help further investigate the issue, you provided the agent with the third partys name, the check number, and the bank's name.
  
  
  When a check is mailed, it may take some time for it to reach us. Please note that your payment will be effective the day it is received by our account team and may take up to 3 business days from the date the payment was received to reflect as "completed" on your account. Once the payment is processed, the amount will be shown as withdrawn from your account. Generally, it takes no more than 14 business days for a check to be processed from the send date. 
  
  
  On June 4, 2025, a paper check payment of $1,830.00 was applied to your account with an effective date of April 29, 2025. A subsequent email was sent to the email address on file. outlining the details of your payment.
  
  
  We have thoroughly reviewed all relevant communication regarding your account and can confirm that it was handled according to company policy. Our investigation has concluded, and it was determined that the name and address did not match your account details, causing a delay in applying the payment to your account. We appreciate your follow-up, which allowed us to investigate the matter further. As stated above, the check has been applied toward your loan, and we consider this matter resolved. 
  
  
  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 ********************* directly at ************************************** We appreciate the opportunity to serve you.
  
  
  
  
  Sincerely,
  
  
  Avant *********************
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

  Customer Answer

  Date: 06/10/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  Yes Avant did apply the 1800 to my account. It should not taken a month but it is fixed 
  Sincerely,
  
  ******* *******

• Initial Complaint

  Date:05/30/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have notified this company of issues that were on my credit report. I do not have a card with them nor do I have knowledge of this card.Ive had to jump through tons of hoops to try and get this figured out and nobody seems to do anything Ive asked for this to removed and a cease and desist on collection efforts. I reached out due to one of my bank accounts being told that I had numerous charges going to this card for payment and I had no idea what it was and every time I call I get the runaround and get put on hold and then hung up on.

  

  Business Response

  Date: 06/06/2025

  Dear ****** ******,
  
  We are in receipt of your complaint with the Better Business Bureau Complaint ID #********. We are sorry to hear that you are dissatisfied with your customer experience. At **********************, we pride ourselves on providing excellent service to all of our customers and take all feedback seriously.

  Our records indicate that, on November 30, 2024, an application with your information was initiated for a WebBank-issued Avant Credit Card via the Experian Platform. WebBank is the credit issuer for the Avant platform, where Avant operates as the administrator and servicer of the program.

  Avant has received your complaint in which you stated that you have notified our company of issues on your credit report. You indicated that you do not have a card with us, nor do you have knowledge of this card. You said that you have asked for this to be removed and a cease and desist order on collection efforts. You have also reached out because one of your ***** told you that there were numerous charges for this card for payments, and you had no idea what it was. You said you are continuously getting the runaround and subsequently hung up on after being placed on hold.

  Our records indicate that on March 28, 2025, we received an indirect credit reporting dispute via e-OSCAR, an automated system between Avant and the Credit Bureaus. The dispute claimed that the account was opened fraudulently and did not belong to you. Due to this claim, the account was forwarded to our **************** for further review and investigation. Please be aware that our records show that the last time any contact was made to our customer support team was on March 20, 2025, and this was regarding a payment that was made on the account. We found no further evidence of any other contact being made to our customer support team.

  Please be advised that we were able to locate an account in your name, Customer ID #***********. It is important to note that the application in question has been approved, and a credit card has been issued. An inquiry may have been initiated by WebBank and Avant into your credit profile. Inquiries can affect your credit score and are visible to third parties viewing your credit report.

  The fraud team investigating this account has concluded that there is not sufficient evidence to support that this application was submitted falsely, and we are unable to remove the inquiry and tradeline at this time. Without additional supporting evidence, this case will remain closed. This was also communicated to you via a letter correspondence, which was sent to the following address: *******************************************. In order to reopen the case, we recommend taking the following steps:

  1. Print and complete the attached Identity Theft Victims Complaint and Affidavit (Affidavit). The Affidavit should explicitly mention Avant. The Affidavit (item 22 on page H-6) should be witnessed by a Notary Public. In addition to the completed Affidavit, we request that you also file a Law Enforcement Report, described in item 20 on page H-5 of the Affidavit, or an IC3 referral form. The law enforcement Report or IC3 referral form should explicitly reference Avant. Filing a false Law Enforcement Report may result in criminal prosecution with penalties up to a felony conviction.

  2. Please deliver the Affidavit, Law Enforcement Report or IC3 referral form and any other supporting evidence of identity theft you may have, to Avant via email, fax or mail.

  Email:
  ********************************************************
  
  Fax:
  ************
  
  Mail:
  Avant, LLC
  ATTN: ****************
  ****************************
  Suite 900
  *****************
  
  Upon receipt of documents in good standing as outlined above, Avant will begin the process of notifying the appropriate credit bureau(s) to remove the credit inquiry and associated credit history from your credit report. Without the completed and notarized Affidavit and Law Enforcement Report/IC3 referral form filed in connection with the identity theft claim, Avant does not have sufficient evidence to support a claim of identity theft and will not be able to remove the inquiry and tradeline.

  The IC3 referral form stands for ******************************** This is a governmental online service administered by the *** that allows an individual who believes they are a victim of identity theft to file an online complaint. As internet crime complaints are reported online, the data is compiled. The complaints are researched by trained analysts, and the information is dispersed to the appropriate local, state, or federal regulatory agencies. The IC3 referral form can be filed and used in place of the Law Enforcement Report. The IC3 referral form can be found at *******************************. Please contact us at 1-855-AVANTCARD and reference the Customer ID above with any additional questions or concerns.

  As our investigation did not discover sufficient evidence to support the identity theft claim, and sufficient supporting evidence has not been submitted, collection efforts may continue. Nevertheless, as requested, we have limited communications on your account as of June 3, 2025.

  Additional information regarding identity theft may be found at the ************************ website:
  ******************. Fraud alerts can help prevent further cases of identity theft. If you have not already done so, you
  may request the nationwide consumer reporting companies to place a fraud alert on your credit report. They may be
  contacted at:

  Equifax: **************; **********************
  Experian: **************; ***********************
  TransUnion: **************; *************************

  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 ********************* directly at ************************************** We appreciate the opportunity to serve you.

  Sincerely,
  Avant *********************
  
  Enclosure
  

  
  

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This is in regards to credit card account ending in 7065. Requested card closed last June, was assured it was done. Kept being billed monthly charges for some unknown reason, never heard of a credit card that charges monthly charges, even though there is no balance, card is paid in full. Made numerous calls, every time getting assured that issue is taken care of. Now almost a year later, card finally shows as closed on their site, but they are demanding payment in the sum of $78.61. Was promised a callback from numerous supervisors, no one ever calls back. This card is closed. Was paid in full last June. I want this to end. They destroying my credit score.

  

  Business Response

  Date: 06/06/2025

  Dear **** *****,
  
  
  We are in receipt of your complaint with the Better Business Bureau Complaint ID #*******.  We are sorry to hear that you are dissatisfied with your customer experience. At **********************, we pride ourselves on providing excellent service to all of our customers and take all feedback seriously.
  
  
  Our records indicate that on April 29, 2023, you were approved for a WebBank-issued AvantCard via the CreditKarma Platform. WebBank is the credit issuer for the Avant platform, where Avant operates as the administrator and servicer of the program.
  
  
  According to your Better Business Bureau complaint, you requested to close your Avant card in June 2024 and were assured that the account closure had been completed. However, you have continued to receive monthly charges for unknown reasons, which is concerning since the card was paid in full. You claim to have made numerous attempts to contact Avant customer support and were repeatedly assured that the issue was resolved. It has been almost a year since these charges began, despite the account being closed. You are now asked to pay charges totaling $*****. You are requesting that Avant acknowledge that they made an error, make a billing adjustment, and provide an update to your credit report.
  
  
  The terms of your AvantCard were clearly and fully disclosed on Avant's website during the inquiry process and prominently displayed on your Cardmember Agreement prior to signing electronically. You accepted a $500.00 credit limit with a variable APR of *****% and a $ 0.00 Annual Membership Fee (AMF). Your  Cardmember Agreement, which serves as your contract and details the terms and conditions of your account, was provided in an email titled "Welcome to Your AvantCard" sent on August 30, 2023.
  
  
  As outlined in the Cardmember Agreement, you accepted the terms of this agreement by using your card and not canceling your account within 30 days after the card was sent. Your Cardmember Agreement further outlines that Avant may change the rates, fees, and terms of your Agreement, and Avant may add or delete any term to your Agreement.
  
  
  Please be advised that Avant delivered your periodic statements 21 days before the payment due date to the email address on file. These statements included the Current Period Minimum Payment, Total Minimum Payment Due, Past Due Amount, and the Payment Due Date. Avant can confirm that from September 25, 2023, to May 26, 2025, your monthly billing statements were available for download on your Customer Dashboard, and emails titled "Your AvantCard Online Statement is Now Available" were sent to the email address on file. Avant records indicate that the emails were delivered and did not bounce back as returned.
  
  
  The billing statement for your account was generated and made available for review on July 25, 2024. As outlined in this statement, you had a statement balance of $496.09 and a Total Minimum Payment of $25.00 due by August 19, 2024 
  
  
  On July 30, 2024, you contacted Avant customer support to inquire about getting a settlement on your account and request a late fee waiver. The agent informed you that they could not grant your request for a settlement. A late fee waiver request was submitted on your behalf.
  
  
  We received your payment of $606.87 on July 31, 2024. Following this, the billing statement for your account was generated and made available for review on August 26, 2024. As outlined in this statement, you had a statement balance of $4.10.
  
  
  As noted in your Cardmember Agreement, the terms of your account, including rates and fees, may be changed. Pursuant to your Cardmember Agreement, the terms of your account were changed on November 22, 2024, and advance written notice was provided to you. As detailed in the notice you received by email ******************** on or around October 08, 2024, you were given the opportunity to reject the new terms unless you became more than 60 days late on your account. However, if you reject the new terms, your account will be closed.
  
  
  On April 15, 2025, you contacted Avant Customer because you indicated that you had paid your account a year ago and advised Avant Customer Support to close your account. You authorized a third party to speak on your behalf. The third party requested a refund for December, September 2024, February, March, and April 2025, totaling $40.06, because the payments were unauthorized from their bank account. The agent proceeded to close your account, and the third party asked to speak to a supervisor. A supervisor was unavailable and advised that a call back would be scheduled. The third party stated not to close the account yet and said they would wait for a call back.
  
  
  Your refund request of $40.06 was denied on April 16, 2025, due to your enrollment in autopay on March 17, 2024. You authorized Avant to deduct your payment for the Total Minimum Payment due on the 19th of each month. Per company policy, only customers can add or edit AutoPay information on their Customer Dashboard.
  
  
  The billing statement for your account was generated and made available for review on April  25, 2025. As outlined in this statement, you had a statement balance of $8.99 and a Total Minimum Payment of $8.99.
  
  
  You contacted Avant customer support again on April 27, 2025; you authorized the third party to speak on your behalf. The third party requested that the account be closed. The agent attempted to close the account by reading the disclosures regarding any remaining balance. The third party stopped the agent because the disclosure did not apply to them, and they do not have a remaining balance. A supervisor was requested, and the call was transferred. The third party told the supervisor that the charges did apply to them because the account was paid in full last August. The third party further mentioned they had seen monthly charges on the bank account that were not authorized. The supervisor indicated that the account was set up on Autopay, and an email was sent out regarding the monthly fee in November. The supervisor informed the third party that the account would be escalated regarding the previous request to close their account in August. Our records indicate that your account has been closed as of May 7, 2025.
  
  
  The billing statement for your account was generated and made available for review on May  26, 2025. As outlined in this statement, you had a statement balance of $ ***** and a Total Minimum Payment of $42.98. On May 30, 2025, Avant received your card payment of $*****.
  
  
  
  
  Per the "Credit Reporting" section of your Cardmember Agreement, Avant reserves the right to report information about your account to the ********************** bureaus. Late payments, missed payments, or other defaults on the account may be reflected in your credit report. Avant is not required to delete such information and is permitted to use such information for our legitimate business purposes, such as fulfilling our legal and compliance obligations. All the terms of your AvantCard are contained in your Cardmember Agreement. 
  
  
  We have found that all information reported to the credit bureaus on behalf of your account is accurate. The Fair Credit Reporting Act (FCRA) requires Avant to report fairly and accurately. Please be advised that Avant does not remove reporting when we have verified the information is accurate. We advise you to contact the individual bureaus, **********, Experian, and Equifax, for more information about how the information reflected in your credit reports impacts your credit score.
  
  
  We have thoroughly reviewed all relevant communication regarding your account and can confirm that it was handled according to company policy. We found no evidence that you rejected the new terms or a previous request to close your account.We are unable to grant you a billing adjustment to remove the balance on your account and any previous late reporting.
  
  
  Please be advised that we are always working on ways to enhance the customer experience based on customer comments such as yours. We treat all customer feedback as a learning experience.
  
  
  We trust this explanation resolves this matter. 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 ********************* directly at ************************************** We appreciate the opportunity to serve you.
  
  
  
  
  Sincerely,
  
  
  Avant *********************
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:05/27/2025

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently filled out an application for a loan from Lending Tree, which, was approved but never finalized by me because I no longer wanted the loan. The application stated there would be no negative effect on my credit score. Today, 05/24/2025 I received a loan rejection letter from AVANT LLC, based on credit information they received. A. Although, the loan had been approved, according to Lending Tree, I never finalized the application. B. There should be no negative effect on my credit rating, according to Lending Tree.

  

  Business Response

  Date: 06/06/2025

  Dear ******* Hose,
  
  We are in receipt of your complaint with the Better Business Bureau Complaint ID #********. We are sorry to hear that you are dissatisfied with your customer experience. At **********************, we pride ourselves on providing excellent service to all of our customers and take all feedback seriously.

  Our records indicate that, on May 13, 2025, you initiated an application for a WebBank-issued Avant Installment Loan via the Lending Tree Platform. WebBank is the credit issuer for the Avant platform, where Avant operates as the administrator and servicer of the program.

  Avant has received your complaint in which you stated that you filled out an application for a loan from Lending Tree, which was approved, but you never had it finalized. You indicated that you later received a rejection letter from Avant LLC. You claimed that the application stated it would not negatively impact your credit. You are requesting that any negative information be corrected along with the rejection letter.

  Please be advised that all applications for WebBank products are considered in accordance with WebBanks established credit policy. Based on the information you were able to provide, it was determined that you did not qualify for a WebBank product at that time. 

  In response to your concerns about your credit being adversely affected due to an incomplete application. During the application process, you consented to your credit report being pulled for underwriting purposes. Please note that a soft credit inquiry was performed at that time. Soft credit inquiries will not affect your credit score and are not visible to other creditors. This information would have also been outlined in the letter correspondence that you received from us. As such, we cannot honor your request to have your credit reporting corrected, as this kind of inquiry does not impact your credit score.

  You are welcome to reapply, however there is a waiting period of 30 days after being declined. We appreciate the opportunity to serve you and wish you the best in the future.

  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 ********************* directly at ***************************************************************.

  Sincerely,

  Avant *********************
  

  
  

  Customer Answer

  Date: 06/07/2025

   
  Complaint: 23374557
  
  I am rejecting this response because:response stated the load was rejected this time because of an incomplete application. The incomplete application which was not stated at the time, but according a phone conversation, was using the same email address used with another active loan. The fix, according to the phone conversation was to use another email address which I do have, but decided not to pursue the loan any further. Having said this, I still do not wish to continue this issue, but would like  it to be recorded as public record. 
  
  Sincerely,
  
  ******* Hose

  

  Business Response

  Date: 06/16/2025

  Dear ******* Hose,
  
  We are in receipt of your rebuttal with the Better Business Bureau Complaint ID #********.

  You have rejected our response claiming that our response stated that the loan was rejected this time because of an incomplete application. You cited that the incomplete application, which was not stated at the time, but according to a phone conversation, you were using the same email address used with another active loan. You further claimed that the fix to this according to this said conversation was to use another email address, which you do have, but decided not to pursue the loan any further. You mentioned that you do not wish to continue this issue, but would like it to be recorded as public record.

  After reviewing all relevant communications, we found no evidence which suggested that you were denied credit due to an incomplete application. On May 24, 2025, you inquired about your denial letter, noting that you had not completed the application because you wished to use a different email address. However, the agent believed you were alleging that the application had been submitted fraudulently. You clarified that you were not alleging fraud and reiterated your concerns. The specialist then informed you that we are unable to provide you with credit at this time; however, they do not have access to the reasoning behind this decision. You subsequently indicated that you would escalate this issue to the Better Business Bureau, as the specialist appeared not to understand your concerns.We sincerely apologize that they were not of better assistance to you.

  Nonetheless, as previously advised, all applications for ******* products are considered in accordance with WebBanks established credit policy. Based on the information you were able to provide at the time, it was determined that you did not qualify for a WebBank product. 

  Our records indicate that the application which was done on May 13, 2025, was declined due to the following reason:

  * Excessive Credit Obligations

  If you have any additional questions or concerns, please contact our ********************* directly at ***************************************************************.

  Sincerely,

  Avant *********************
  

  
  

  Customer Answer

  Date: 06/16/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* Hose

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  

  Business Response

  Date: 06/06/2025

  
  
  Dear Noura Jasmine ************************ are in receipt of your complaint with the Better Business Bureau (BBB) Complaint ID #********.  We are sorry to hear that you are dissatisfied with your customer experience. At **********************, we pride ourselves on providing excellent service to all of our customers and take all feedback seriously.
  
  
  In your complaint, you stated that you believe your account contains inaccurate information. This is misleading and misrepresents your credit history. You are requesting the removal of the account from your ********************** report.
  
  
  Our records indicate that on September 9, 2021 you were approved for a WebBank-issued AvantCard via the Credit Karma Platform. WebBank is the credit issuer for the Avant platform, where Avant operates as the administrator and servicer of the program.
  
  
  The terms of your AvantCard were clearly and fully disclosed on Avant's website during the inquiry process and prominently displayed on your Cardmember Agreement prior to signing electronically. On September 9, 2021, your credit card was mailed to the mailing address on file. You accepted a $300.00 credit limit with a variable APR of *****% and a $59.00 Annual Membership Fee (AMF). 
  
  
  Your Cardmember Agreement, which serves as your contract and details the terms and conditions of your account, was provided in an email titled "Welcome to your AvantCard" sent on September 11, 2021. As outlined in the aforementioned Cardmember Agreement, you accepted the terms of this agreement by using your card and not canceling your account within 30 days after the card was sent.
  
  
  You were notified that your monthly billing statement was available on your customer dashboard on or around the 5th of each month between October 7, 2021, and April 7, 2025. These statements included your Total Minimum Payment Due amount, Past Due amount, and the Payment Due Date. The last successful payment Avant received towards your account was a payment of $73.48 on October 1, 2024, despite having additional payments due. As a result, your account was charged off on April 30, 2025, with a remaining balance of $1,085.85. Charged-off accounts do not accrue interest or assess any fees. Your account will be reported to the credit bureaus as charged off until the balance is zero. Any payments made will reduce the amount reported to the credit bureaus. 
  
  
  Per the "Credit Reporting and Monitoring" section of your Cardmember Agreement, Avant reserves the right to report information about your account to the ********************** bureaus. Late payments, missed payments, or other defaults on the account may be reflected in their credit report. Avant may also obtain credit reports on you on an ongoing basis until this note is paid in full. Avant is not required to delete such information and is permitted to use such information for legitimate business purposes, such as fulfilling our legal and compliance obligations.
  
  
  As implemented by Regulation V, the Fair Credit Reporting Act (FCRA) does not require WebBank or Avant to provide account holders with the option to opt out of credit reporting. An entity that chooses to furnish information to any consumer reporting agency is prohibited from reporting information if it has a reasonable cause to believe the information is inaccurate. Avant believes the information it reported to the credit reporting agencies regarding your account is accurate and consistent with the FCRA/Regulation V's requirements. Avant has complied with the FCRA/Regulation V dispute requirements, investigated your account, and found that Avant provided the necessary disclosures before your execution of their Cardmember Agreement.
  
  
  Avant's investigation into this matter has concluded that all information reported to the credit bureaus on behalf of your account is accurate. Their account is correctly reported as charged off. The Fair Credit Reporting Act requires Avant to report fairly and accurately. Avant does not remove reporting when they have verified the information is accurate. Avant advises you to contact the individual bureaus, **********, Experian, and Equifax, for more information about how the information in your credit reports impacts their credit score. 
  
  
  We have thoroughly reviewed all relevant communication regarding your account and can confirm that it was handled according to company policy. We are unable to grant your request to remove inaccurate information or any previous late reporting.
  
  
  We trust this explanation resolves this matter. 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 ********************* directly at ************************************** We appreciate the opportunity to serve you.
  
  
  
  
  Sincerely,
  
  
  Avant *********************
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:05/24/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 05/06/25, I filed multiple disputes with Avant regarding fraudulent gaming sites. I have attempted to check the status of these disputes on multiple occasions, but the agents are unwilling to assist and give conflicting information. I have also attempted to check the status online, but Avant doesn't provide consumers with that option. Seeking an accurate status of my disputes and/or an escalation to get this resolved. 

  

  Business Response

  Date: 06/02/2025

  Dear **** ******,
  
  We are in receipt of your complaint with the Better Business Bureau Complaint ID #********. We are sorry to hear that you are dissatisfied with your customer experience. At **********************, we pride ourselves on providing excellent service to all of our customers and take all feedback seriously.

  Our records indicate that, on April 5, 2025, you were approved for a WebBank-issued Avant Credit Card via the Credit Karma Platform. WebBank is the credit issuer for the Avant platform, where Avant operates as the administrator and servicer of the program.

  Avant has received your complaint in which you stated that on May 6, 2025, you filed multiple disputes with Avant regarding fraudulent gaming sites. You stated that you have attempted to check the status of these disputes on multiple occasions, but the agents are unwilling to assist and give conflicting information. You cited that you have also attempted to check the status online, but indicated that we do not provide consumers with that option. You are seeking an accurate status of your disputes and/or an escalation to resolve this.

  Our records indicate that on May 5, 2025, and May 6, 2025, you contacted our customer support team to dispute the following transactions:
  
  May 2, 2025 - JEFEBET ********* ** - $19.97
  April 26, 2025 - ************ WEST PALM BEAFL - $19.99
  April 26, 2025 - ************ WEST PALM BEAFL - $14.99
  April 25, 2025 - (PS) ************ MIAMI ** - $28.99
  May 6, 2025 - JEFEBET - $19.97
  May 6, 2025 - JEFEBET - $14.96

  Accordingly, your disputes were escalated to the appropriate department and on May 9, 2025, cases were opened for further investigations to be done. 

  After reviewing all relevant communications between May 6, 2025, and May 19, 2025, our customer support team informed you that an update regarding your disputes would be available within 10 business days, or that the Avant merchant dispute process may extend up to 90 days. During your follow-up calls to us, you would have been advised that your account is still under review. It was also clarified that there is no way to verify the status of these disputes online. 

  While the information regarding the timeline for merchant disputes was accurately provided, at the time, it was revealed on May 27, 2025, that during your discussions with our specialists, you were told that no case was pending and were provided with inaccurate information as to when to expect an update regarding your dispute. We sincerely apologize for this and have since implemented the necessary measures to prevent a recurrence. It is important to note that the Avant merchant dispute process can take as long as 90 days. Nevertheless, a status update is typically given within 10 business days. 

  Please be aware that on May 22, 2025, our disputes team mailed an acknowledgment letter to the address on file: *****************************************. This communication would have informed you that we have begun a review of your account and will contact you if additional information is needed to resolve the disputed charges. Our records also show that you spoke with a member of our disputes team regarding the charges. For your records, we have attached a copy of this letter.

  At this time, we have no further information to provide as your account is still under review. As previously informed, the Avant merchant dispute process can take up to 90 days. We apologize for any inconvenience this may cause.

  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 ********************* directly at ************************************** We appreciate the opportunity to serve you.

  Sincerely,

  Avant *********************
  
  Enclosure
  

  
  

  Customer Answer

  Date: 06/02/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** ******

• Initial Complaint

  Date:05/21/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently paid off my loan with Avant. I paid ******** to finish paying off my loan and overpaid ******. I contacted Avant (May 6th) to see when I would get my refund for my overpayment back and they told me it would take 5-10 business days. I waited well over the 10 business days and contacted them again (May 19th around 12pm EST) to see what was going on with my refund and they told me to call back again later in the day to make sure the refund was going through. I contacted them later that day and they told me the refund would be on my account the next day. Checked my account the next day and still nonrefundable so I contacted them again and they said it was just processed today to get deposited in my account( Even though I was told this before already) and to check my account the next day. Don't know what to do now as it seems they are just yanking my chain as I still wait to get my overpayment back.

  

  Business Response

  Date: 06/04/2025

  
  
  Dear ******* ****,
  
  
  We are in receipt of your complaint with the Better Business Bureau Complaint ID #********.  We are sorry to hear that you are dissatisfied with your customer experience. At **********************, we pride ourselves on providing excellent service to all of our customers and take all feedback seriously.
  
  
  Our records indicate that you were approved for a WebBank-issued installment loan via EvenFinancial Platform on August 24, 2024. WebBank is the credit issuer for the Avant platform, where Avant operates as the administrator and servicer of the program.
  
  
  In your  Better Business Bureau (BBB) complaint, you stated that you recently paid off your loan with Avant, making a total payment of $10,310.00. On May 6, 2025, you contacted Avant to inquire about an overpayment of $910.90 that had been made on your account. You were informed that the refund processing time would be five to ten business days. You followed up on May 19, 2025, to check the status of your refund and were advised to follow up later that day to ensure the funds were deposited. When you reached out to Avant support again on the same day, you were told that the refund would be in your account the next day. You did not receive the refund as expected, and contacted Avant customer support once more. This time, you were informed that the refund had just been processed that day. Due to the inconsistent information provided, you are now requesting a billing adjustment by asking for the overpayment of $908.99.
  
  
  On May 2, 2025, you contacted Avant customer support and stated that ********************** would be receiving a payment of around $10,000.00 toward your loan.. The agent confirmed that the last payment that was posted to your account was May 1, 2025, of $459.08. You asked the agent if you would be able to receive funds back since the loan would be paid in full. The agent advised you that if there was an overpayment, it would be refunded to you. 
  
  
  On May 5, 2025, an email titled "Payment Posted" was sent to your email address, ********************** confirming that Avant received a payment of $10,310.00 with an effective date of May 2, 2025. The same day, you contacted Avant customer support to inquire about an overpayment. The agent confirmed that there was an overpayment of $908.90. The agent told you that the full amount would be automatically refunded to the bank account on file within five to ten business days.
  
  
  On May 20, 2025, you contacted customer support to follow up on your overpayment of $908.90. The agent confirmed that the overpayment of $908.90,  still within the processing time to receive your refund. The agent then informed you that you would receive the refund the same day, and if you did not, to call back. You called Avant customer support back later that day because you were advised that the funds would be deposited into your bank account. The agent indicated that the overpayment of $908.90 would be deposited on May 21, 2025, into your bank account on file. Please note that the deposit date that you were provided was incorrect, and this has been escalated to Avant management to issue coaching to the agent involved. We appreciate you bringing this to our attention. 
  
  
  On May 21, 2025, you contacted Avant customer support because you did not receive your overpayment. The agent informed you that the refund was initiated and to check your bank account again by the end of the day.
  
  
  Based on our review, your overpayment of $908.90 was deposited into your bank account ending in *9041 on May 22, 2025. If you have not received the funds, we advise you to contact your financial institution. 
  
  
  We trust this explanation resolves this matter. 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 ********************* directly at ************************************** We appreciate the opportunity to serve you.
  
  
  Sincerely,
  
  
  Avant *********************
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:05/19/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Contacted customer service numerous times for an average hold time/ assistance time of up to 45 minutes to an hour on 05/19/2025. Requested a supervisor to review current transactions on the account that was just opened in 04/2025. The balance at the end of the first statement balance was $ ******; statement closed on 04/17/2025. Since that time there have been no additional charges ( based on their review ) but $ ****** in payments w/ a pending payment of $ *****. All of the payments and current transactions have been confirmed with Avant. The problem is that NONE of the payments are reflected in the current balance owed which by the statement should only be $ ******. On my fourth and last phone call I was told that they are unable to see any transactions ( even though they could see the payments ) and to wait 3 days for the new statement to be cut.. My concern is the balance that is owed and what charges make that up to ensure that it is accurate.

  

  Business Response

  Date: 05/29/2025

  Dear **** ******,
  
  We are in receipt of your complaint with the Better Business Bureau Complaint ID #********. We are sorry to hear that you are dissatisfied with your customer experience. At **********************, we pride ourselves on providing excellent service to all of our customers and take all feedback seriously.

  Our records indicate that, on March 20, 2025, you were approved for a WebBank-issued Avant Credit Card via the Experian Platform. WebBank is the credit issuer for the Avant platform, where Avant operates as the administrator and servicer of the program.

  Avant has received your complaint in which you stated that you spent approximately an hour on the phone with our customer support team in order to get assistance on May 19, 2025. You explained that the balance at the end of the first statement was $ ******, and since that time, there have been no additional charges. You said that payments were made, but none of the payments are reflected in the current balance owed. You went on to say that on your last phone call, you were told that we are unable to see any transactions and were advised to wait three days for the new statement. You expressed concerns regarding the balance owed and what charges make it up to ensure that it is accurate.

  Upon receipt of your Better Business Bureau complaint, a thorough review of your account was conducted. Our records indicate that your statement dated April 17, 2025, reflected a balance of $******. On May 19, 2025, you reached out to our support team for clarification regarding the account balance, as there appeared to be some discrepancies. At that time, our specialists were unable to confirm specific details related to your account since your May 2025 statement was not yet accessible for review. We sincerely apologize for any inconvenience this may have caused. It is essential to understand that a customer's statement is typically made available within two calendar days following the statement date.

  Please be informed that your statement dated May 17, 2025, is now available for your review. For your convenience, we have included a copy of this statement with our response. A review of this statement reveals that despite your ongoing payments, several transactions continued to occur after the generation of your April 17, 2025, statement, which would have contributed to an increase in your balance. During our investigation, we also confirmed that all payments made were applied to your account, and your balance is accurately represented. As of May 29, 2025, your balance stands at $700.00.

  Additionally, you are able to view your Transaction History via your Customer Dashboard, which is available 24 hours a day and is accessible by logging into your account at ******************************. This transaction history will show all transactions, including posted, declined/canceled, and pending. Pending transactions can take up to ten (10) business days to post to your account and do not count towards your current credit limit until they post. 

  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 ********************* directly at ************************************** We appreciate the opportunity to serve you.

  Sincerely,

  Avant *********************
  
  Enclosure
  

  
  

• Initial Complaint

  Date:05/15/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for a credit card, was told it would be in within 5-7 business days. It never came in, I called was told I had to wait a max of 15 days. I called again when that time was up no card. Was then told they issued a new card, I waited another 15 days for a card that to this day still hasn't came in, and has a fee on it. When I call to talk to someone they just keep saying they can't help or transfer me to a supervisor and that I would have to wait another 15 days. Horrible service. 

  

  Business Response

  Date: 05/28/2025

  
  
  Dear ****** *******,
  
  
  We are in receipt of your complaint with the Better Business Bureau Complaint ID #******** We are sorry to hear that you are dissatisfied with your customer experience. At **********************, we pride ourselves on providing excellent service to all of our customers and take all feedback seriously.
  
  
  On April 9, 2025, you were approved for a WebBank-issued AvantCard via the Credit Karma Platform. WebBank is the credit issuer for the Avant platform, where Avant operates as the administrator and servicer of the program.
  
  
  In your complaint to the Better Business Bureau (BBB), you stated that you were frustrated with your experience related to Avant's customer service. You were initially informed that your  Avant card would arrive within 5 to 7 business days; however, it never came. Upon contacting Avant for an update, you were told that the maximum timeframe for receiving the card is fifteen days. After waiting the whole fifteen days, the card still had not arrived. You were informed that a new card would be issued, requiring an additional fifteen-day wait. You are still without the card and are concerned about potential fees associated with the Avant Card. Additionally, when you reached out to the Avant customer support team, they were unable to provide assistance, and you were transferred to a supervisor, who provided the same information. You are requesting that your card be received as soon as possible.
  
  
  Our records indicate that on April 9, 2025, an email titled Your Avant Card is on Its Way! was sent to the email address *********************** The email informed you that you should receive your card in the next 7-10 business days.
  
  
  On April 22, 2025, you contacted Avant customer support because you had not received your card. The agent confirmed that on April 9, 2025, the card went to the address on file, **************************************. You stated that you checked the mail at that address, and you did not see anything in the mail. The agent said that you were still within the time frame to receive the card. The agent also advised you to call back the next day if the card has not yet been received. 
  
  
  On April 24, 2024, you contacted Avant customer support to inform them that you did not receive your Avant Card. The agent confirmed the card was mailed out on April 9, 2025. They advised you that it typically takes  7-10 business days; however, the Maximum time allowed is fifteen days from issuance. 
  
  
  On April 29, 2025, you contacted Avant customer support to inform them that you had not received your Avant card, and it had been fifteen days. You were eventually able to speak with a supervisor, who submitted a ticket to the appropriate department for further review regarding the non-receipt of your Avant Card.
  
  
  On April 30, 2025, an email titled Your AvantCard Reissuance Request " was sent confirming that a request for a new card had been received. You should receive your card up to 15 business days from issuance, and the previous card(ending in 3171) was deactivated.
  
  
  On May 10, 2025, our records indicated that you updated your address from **************************************, to ************************************************* after your card had already been reissued. 
  On May 14, 2025, we received your email regarding a request to expedite your card and send your card to another address. You also indicated that you were concerned about the $75.00 fee placed on your Avant Card. The same day, an email was sent titled Card Status Inquiry - AvantCard Support," confirming that your card(ending in 6168) was reissued on May 1, 2025, to the physical address ************************************
  
  
  On May 15, 2025, you contacted the Avant customer support team because you still had not received your card after two attempts. You requested to speak with a supervisor, but a supervisor was not available, and you would need to be placed on a call-back request. You were advised that you should wait at least until May 21, 2025, but you then requested that the recent card be canceled and expedited overnight instead. You were concerned about the $75.00 charge to your account. A complaint was submitted on your behalf regarding the nonreceipt of your card. The same day, a supervisor followed up with you regarding your concerns but was unable to reach you at the phone number ************ and left a message asking that you contact Avant customer support at ************.
  
  
  On May 20, 2025, a request was submitted to call you back to verify the correct mailing address on file. On May 21, 2025, a supervisor contacted you regarding the non-receipt of your card. They informed you that there were two cards issued, one on April 9, 2025, and one on May 1, 2025, to the address ***********************************. The supervisor informed you that they could assist you in updating your address; however, you declined and asked that the card not be reissued, and you would report this matter to the Better Business Bureau. You also expressed that you were concerned about the charges on your account. The supervisor informed you that you would not be responsible for the charges if the card had not been used.
  
  
  Please be advised that Avant processed your recent request for a new card on May 1, 2025; most customers can expect to receive their card in ***** business days after issuance. We apologize that this expectation was not met. Kindly note that Avant cards are shipped via ****, and Avant currently does not have a service to expedite the card's shipment. Since you have not received/activated your card yet, you will not be considered delinquent or late and will not be responsible for the charges until you start using it for purchases or getting cash with it. You have further indicated that the card should not be reissued on your behalf; however, if you receive your card, you have the option to activate your card or call us back to close your account. In the event you close your account, you will not be charged for the annual fee of $75.00.
  
  
  Our investigation into this matter has concluded that there were no issues on our end that prevented you from receiving your AvantCards, which were successfully mailed to the address you provided. We have thoroughly reviewed all relevant communication on your account and can confirm that your account was handled according to company policy.
  
  
  Please be advised that we are always working on ways to enhance the customer experience based on customer comments such as yours. We treat all customer feedback as a learning experience.
  
  
  We trust this explanation resolves this matter. 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 ********************* directly at ************************************** We appreciate the opportunity to serve you.
  
  
  
  
  Sincerely,
  
  
  Avant *********************
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

  Customer Answer

  Date: 05/29/2025

   
  Complaint: 23334722
  
  I am rejecting this response because: There clearly is something wrong with the business. They have confirmed my old address and my new address on the file and both they sent cards to both i still have access to being able to get the mail from. Both have still not removed any cards due to this matter. Why would I ask for another card to be sent out when I am still waiting on the first 2 and they can't make an exception to make sure this card is getting in my hand or a way to track it. The cards are clearly not making it to me or else they would have been activated. Not being able to get a card in my hand after being informed it's mailed is a high issue.
  
  Sincerely,
  
  ****** *******

  

  Business Response

  Date: 06/06/2025

  
  
  Dear ****** *******,
  
  
  We are in receipt of your additional feed back with the Better Business Bureau Complaint ID #******** We are sorry to hear that you are dissatisfied with your customer experience. At **********************, we pride ourselves on providing excellent service to all of our customers and take all feedback seriously.
  
  
  On April 9, 2025, you were approved for a WebBank-issued AvantCard via the Credit Karma Platform. WebBank is the credit issuer for the Avant platform, where Avant operates as the administrator and servicer of the program.
  
  
  We have received and carefully reviewed your rebuttal.We understand your continued frustration and your desire for a complete resolution.
  
  
  As previously communicated,Avant processed your recent request for a new card on May 1, 2025; most customers can expect to receive their card in ***** business days after issuance. We apologize that this expectation was not met. Kindly note that Avant cards are shipped via ****, and Avant currently does not have a service to expedite the card's shipment. Since you have not received/activated your card yet, you will not be considered delinquent or late and will not be responsible for the charges until you start using it for purchases or getting cash with it. You have further indicated that the card should not be reissued on your behalf; however, if you receive your card, you have the option to activate your card or call us back to close your account. In the event you close your account, you will not be charged for the annual fee of $75.00.
  
  
  Our investigation into this matter has concluded that there were no issues on our end that prevented you from receiving your AvantCards, which were successfully mailed to the address you provided. We have thoroughly reviewed all relevant communication on your account and can confirm that your account was handled according to company policy.
  
  
  Please be advised that we are always working on ways to enhance the customer experience based on customer comments such as yours. We treat all customer feedback as a learning experience.
  
  
  We trust this explanation resolves this matter. 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 ********************* directly at ************************************** We appreciate the opportunity to serve you.
  
  
  
  
  Sincerely,
  
  
  Avant *********************
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

  Customer Answer

  Date: 06/06/2025

   
  Complaint: 23334722
  
  I am rejecting this response because: card still never arrived. **************** is horrible to get a hold of and never have answers. 
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:05/15/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On May 7th 2025 I mailed a payoff check in the amount of $27,345.07 for my loan. No one can tell me if they received the check I have sent copies of the check, it was mailed to the ** Box that they gave me Avant LLC, **************************. I included my name, account # and loan # I just cant get an answer from no one as to whether they received it or not. I also paid off three other accounts that day and mailed their checks the same day and they have all received the checks. The checks were from when I refinanced my home and I had to mail the checks to the creditors. All I keep getting is the runaround with this company. Please help me??

  

  Business Response

  Date: 05/21/2025

  Dear ******* *********,
  
  We are in receipt of your complaint with the Better Business Bureau Complaint ID #********. We are sorry to hear that you are dissatisfied with your customer experience. At **********************, we pride ourselves on providing excellent service to all of our customers and take all feedback seriously.

  Our records indicate that, on January 27, 2025, you were approved for a WebBank-issued Installment Loan via the Credit Karma Platform. WebBank is the credit issuer for the Avant platform, where Avant operates as the administrator and servicer of the program.

  Avant has received your complaint in which you stated that on May 7, 2025, you mailed a payoff check in the amount of $27,345.07 for your loan. However, no one can tell you if the check has been received, despite a copy of the check being sent. You are seeking assistance regarding this.

  According to our records, on April 22, 2025, you agreed to pay off your loan through Avant as the servicer for your account. You were informed that your payoff quote is $27,345.07, and you agreed to make a paper check payment on May 1, 2025. 

  On May 7, 2025, you emailed our customer support team letting us know that you had sent the payoff amount. That same day, you were advised that it may take up to three business days from the date we receive your payment for it to reflect on your account. You were also told to allow more time for your payment to reach us. Please be aware that generally, it takes no more than 14 business days for a check to be processed from the send date.

  Subsequent contact was made with us via email between May 13, 2025, and May 15, 2025, concerning the unapplied check. On May 15, 2025, you were informed that we were reviewing your account and that we would contact you. Furthermore, when you contacted our phone customer support team, an escalation was done on your behalf concerning the unapplied check. Please be informed that our customer support team made every effort to assist you by escalating your account to the appropriate department for investigations to be done.

  On May 16, 2025, we received a check in the amount of $27,345.07, which was successfully posted to your account with an effective date of May 15, 2025. You were then advised of this via an email titled "ATTENTION: Payment Posted - Avant."

  Please be advised that by scheduling an official payoff, interest accrual for your loan will be frozen for a period of ten (10) days. If no payoff is scheduled, the quote will be invalidated, and interest accrual will continue. Accordingly, on May 16, 2025, your account had a balance of $400.10, and you were quoted this payoff amount. A payment for this amount was received on May 19, 2025.

  Our records indicate that your loan has been paid in full. You will receive a payoff confirmation email within 14 days of the final payment date.

  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 ********************* directly at ************************************** We appreciate the opportunity to serve you.

  Sincerely,

  Avant *********************