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Business Profile

Consumer Finance Companies

Avant, LLC

Complaints

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

Find a Location

Avant, LLC has 4 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

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    • Avant, LLC

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

      BBB accredited business seal
    • Avant, LLC

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

      BBB accredited business seal
    • Avant, LLC

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

      BBB accredited business seal
    • Avant, LLC

      Alabama Service Area Montgomery, AL 36104

    Customer Complaints Summary

    • 1,000 total complaints in the last 3 years.
    • 340 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/19/2025

      Type:Customer Service 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 am grateful for the opportunity to have this credit card, but I have concerns. 25+ minutes on hold to never speak to customer service to finally hang up and during that time you had to listen to the same short tidbit of music over and over and over and over. I can see my transactions, but I can't see the companies that the transactions were paid to, and I have a $110 question. I need a call please to find out why I can see the dollar amounts but not the companies that they were paid to. Also, why would any corporation make their customers sit on hold for 25+ minutes and make them listen to the same short strip of music over and over and over. I finally gave up after 25+ minutes trying to reach customer service twice. I never got an answer, and, in the meantime, I do not know what that $110 charge belongs to because you will not let me see it on my account, why?

      Business Response

      Date: 07/23/2025

      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 13, 2025, you were approved for a WebBank-issued Avant 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 acknowledges receipt of your complaint, wherein you expressed dissatisfaction with extended hold times when attempting to reach a representative, along with an instance of being disconnected. You also noted the visibility of transactions, but an inability to identify the companies. Furthermore, you are questioning what a $110.00 charge is for, as you cannot see who the merchant is.

      Upon receipt of your Better Business Complaint, a review of your online account was conducted, and we can confirm that the option to view all transaction details, including descriptions, is readily accessible. Please note that for optimal viewing and functionality, our website is best accessed via a desktop computer or laptop, utilizing ****** Chrome or Mozilla Firefox. The use of alternative devices or browsers may result in limited visibility from your customer dashboard. Additionally, transaction details, if available, can also be provided by our customer support team and are outlined on your billing statement(s).

      For your convenience, we have itemized the transaction completed with your AvantCard. On or around August 11, 2025, you will also receive your Avant Card statement to the email address on file: ******************* which includes the following transaction: 

      July 19, 2025LIBERTY MUTUAL ************ MA            $110.00

      We understand your frustration and apologize for the extended hold time and hold music. Due to high call volumes, there may occasionally be an extended wait time to speak with one of our specialists. We also apologize if any of your calls to us may have ended prematurely. We value your feedback and are continuously working to enhance the customer experience based on comments such as yours.

      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: 07/24/2025

       
      Better Business Bureau:

       

      thank you for taking time to get back with me and as an FYI I cannot see the transactions until they have actually gone out of the pending state and that's where they were at the time that I did not see the company. Thank you so much for taking the time to be so thorough and answering all my concerns and once again I am so very grateful to have the opportunity to do business with you, thank you very much.

      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:07/15/2025

      Type:Delivery 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 received a email May 19, 2025 stating my Avant credit card should arrive in 7 to 10 days. After the waiting period I was told it can take up to 15 business days. I called back because I didnt receive not receive my card, situation was escalated and another card was reissued June 11, 2025. I was charge ****** annual fee and a minimum of ***** that I had to pay July 13, 2025 for a card that I never received. July 15, 2025 I call back to speak with a supervisor and was told situation has been escalated again, I asked to speak with a supervisor in hope to avoid another month of delay and finance charges but was hung up on.

      Business Response

      Date: 07/24/2025

      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 May 19, 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. 


      According to your Better Business Bureau (BBB), you have not received your AvantCard. In June 2025, you followed up with customer support to inform them about the issue. Despite this, you are now being charged the annual fee and the total minimum payment, which is due on July 13, 2025. When you contacted Avant customer support again, you were informed that the matter had been escalated. You requested to speak with a supervisor regarding the delay of your card and the finance charges; however, the call was disconnected. You are disputing the amount of $165.00.


      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 $300.00 credit limit with a variable APR of *****% and a $75.00 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 May 20, 2025.


      Upon receipt of your complaint, your account was escalated to the appropriate department for further review.


      Our records indicate that on June 7, 2025, you contacted Avant customer support because you had not received your card. The agent advised you that the card was sent out on May 19, 2025, and you should have expected to receive it by June 9, 2025. 


      On June 10, 2025, you contacted Avant customer support again. The agent informed you of the time frame to receive your AvantCard.


      On June 11, 2025, you contacted Avant customer support again to inform them that you did not receive your card, and your account was then escalated for a new card to be reissued. A subsequent email was sent to the email address on file, titled Your AvantCard Reissuance Request, outlining the details of your request.


      On June 12, 2025, a new card was issued ending in *7863 and sent to the mailing address on file 


      On June 19, 2025, your billing statement was generated and made available for review, and an email titled "Your AvantCard Online Statement is Now Available" was sent to your registered email address. This statement outlined a Statement Balance of $75.00 and a Total Minimum Payment Due of $25.00. This balance included the $75.00 annual fee, and the total interest charge for this period was $0.00.


      On June 30, you contacted Avant customer support to inform them that your ************************** still had not been received. The agent confirmed that the address you provided, ****************************************************, was the address we had on file, and the agent informed you that the card was mailed out on June 12, 2025, and should be expected by July 7, 2025.




      On July 15, 2025, you contacted Avant customer support. You indicated that you still had not received your card and were concerned that interest was being charged on your account. You requested to speak with a supervisor. The agent assisted you regarding your concerns. They informed you that the matter had been escalated and that you would need to wait for a response from our resolutions team.


      Avant processed your recent request for another new card on July 15, 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.


      On July 16, 2025, you contacted Avant customer support to inform them that you received your card. 


      Please note that your Customer Dashboard is available 24 hours a day and is accessible by logging into your account at ******************************. Kindly note that the optimal device for our website is either a desktop computer or laptop (rather than a smartphone or tablet), and our site works best on ****** Chrome or Mozilla Firefox.


      On July 19, 2025, your billing statement was generated and made available for review, and an email titled "Your AvantCard Online Statement is Now Available" was sent to your registered email address. This statement outlined a Statement Balance of $36.04 and a Total Minimum Payment Due of $25.00. This balance included the $1.04 interest charge on purchases, and the total interest charge for this period was $1.04.


      On July 21, 2025, an email was sent titled Your AvantCard is Now Active! confirming that your card had been activated and you could use your credit card.


      We have thoroughly reviewed all relevant communication on your account and can confirm that your account was handled according to company policy. 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. Therefore, we cannot grant your request for a billing adjustment of $165.00, as your card is activated and available for use. Upon further review of the account, we found no evidence that an agent ended the call prematurely.  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:07/14/2025

      Type:Service or Repair 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 company refused to send the card I was approved for to my actual address. Asked for proof of residence, that I sent (a ******* bill and a national grid bill), but would not accept these documents. Spent a whole day trying to get them to resend, and each time I spoke to someone, I needed to send some other proof of residence. Despite the fact that the address they supposedly sent my card to be was not the address on the application, but a former address that was on my credit report, which puts me more at risk of fraud. 

      Business Response

      Date: 07/24/2025



      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, 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.


      According to your BBB complaint, you claimed that Avant refused to send your AvantCard to your address. You were instructed to provide proof of residence, and you sent the requested documentation, which was considered unacceptable. You contacted Avant customer support and were asked to send in other proof of residence. Your AvantCard was sent to your former address on your credit report.


      On July 10, 2025, you contacted Avant customer support regarding the non-receipt of your Avant Card. The agent confirmed that the AvantCard had been delivered to the mailing address of ********************************************, which you confirmed was incorrect. After verifying your identity, the agent updated your address to ***********************************************. An email titled Your Mailing Address Has Been Updated was sent to ********************* However, the agent requested that you provide acceptable documentation to finalize the address update to ***************************************************** Most customers can expect to receive their card within ***** business days after issuance.


      On July 11, 2025, you contacted the Avant customer support team to follow up regarding the requested documents. You were informed that the document received was unacceptable. You then requested that your Avant card be closed. A subsequent email was sent to the email address on file titled "Avant Card Closure, outlining the details of closing your account.


      Because you did not receive your card, you will not be considered delinquent or late, and you will not be responsible for any charges. Since your AvantCard was neither activated nor used, the account has been closed with a zero ($0) balance. This means there is no potential risk for fraud.


      On July 14, 2025, you contacted Avant customer support via email to request that the hard inquiry be removed from your credit report because you did not receive your card.


      When you submitted your information to apply for an AvantCard via Credit Karma, you authorized Avant to perform a hard credit inquiry. Prior to submitting the application, you were required to confirm you read, understood, and consented to Avant's disclosures and notices, which included the Credit Report Pull Authorization. Once you confirmed you had done so, you were then able to proceed with submitting the application.


      We have thoroughly reviewed all relevant communication on your account and can confirm that your account was handled according to company policy. Based on our review, our records indicate that our most recent attempt to deliver your card was returned to us by **** as "Undeliverable." Avant acknowledges that you did not receive the level of customer service ********************** strives for, and this has been used as a coaching opportunity. Avant sincerely apologizes for any inconvenience this may have caused.




      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:07/14/2025

      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 received a statement that doesnt show any of my purchases I have no idea what they are I dont know if they padded my bill, I want to see all my purchases made by me. Im getting nowhere with this company. 

      Business Response

      Date: 07/18/2025

      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 11, 2025, you were approved for a WebBank-issued AvantCard via the Avant 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 received a statement that doesn't show any of your purchases, leading to confusion surrounding the amount owed. You claim that you are not getting anywhere with our company and request to see all of your purchases.

      Your statements are generated on or around the 5th of each month. Given your enrollment to receive statements in the mail, your statements are mailed within four (4) business days after your billing cycle date, and our records confirm that all statements were successfully sent to the following address: ******************************************************************, the same mailing address listed in your complaint.

      Your billing statements reflect transactions that occurred in the specific billing cycle, including late fees, interest charges, credits, and payments. If you did not use your card for a transaction in a billing cycle, it will not be reflected. For your convenience, we have attached a copy of all available statements since account opening, which reflect all purchases you made. The last time you used your card for a purchase was on April 16, 2025.

      It is important to note that you can access your statements and transactions through your customer dashboard by choosing the option "View Card". After selecting this option, your transactions will appear at the bottom of the page for that billing cycle. Regarding your statements, once you click on "View Statements," you will have the opportunity to view your available statements and select the specific month you would like to review. Keep in mind that notice of your upcoming payments will also be sent to the email address on file each month prior to your due date. As your account was previously closed, no further transactions may be made with the card for purchases. These options were also presented to you during your interactions with our customer support team in May 2025 and June 2025. 

      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 *********************


      Enclosures


      Customer Answer

      Date: 07/18/2025

       
      Complaint: 23589137

      I am rejecting this response because:

      Sincerely,

      *** ******** I still dont know what my purchases are they never sent me a statement from Jan to jun. 2025 I used that **** card once at a supermarket never received a statement got billed for late fees what the h***

      Business Response

      Date: 07/23/2025

      Dear *** ********,

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

      You have rejected our response, claiming that you still do not know what your purchases are, as we never sent you a statement from January 2025 to June 2025. You stated that you used the card once at a supermarket, but did not get a statement for that, but were billed late fees.

      As previously advised via our initial response to your complaint, our records confirm that all billing statements were successfully sent to the following address: ******************************************************************, the same mailing address listed in your complaint. In our previous correspondence, and again included in this response, we attached copies of all available statements since account opening, which reflect all purchases you made. The last time you used your card for a purchase was on April 16, 2025, at *********. You may review all of these statements.

      Per the terms of your Cardmember Agreement, if the total minimum payment due is not paid by the payment due date (which is the 1st of each month) a late fee may be assessed of $28. If a late fee has been assessed within the last six billing cycles, a late fee of $39 may be assessed.

      Consequently, due to no payment being received by the due date for May 2025, June 2025, and July 2025, late fees were correctly assessed to your account in accordance with your cardmember agreement.

      As a reminder, your billing statements are made available for review on your customer dashboard, and a notice of statement availability is also sent to the email address on file. Should you need to update your mailing address, please contact us directly via telephone at **************. You may also opt into paperless billing to prevent delivery disruption or interference 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 ************************************** We appreciate the opportunity to serve you.

      Sincerely,

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

    • Initial Complaint

      Date:07/11/2025

      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.
      New credit card was automatically switched to email billing without my approval. Never received any ******** in the mail and yet was charged late fees over a period of time without my knowledge. Customer has the right to choose the ******** that is convenient for him or her. 

      Business Response

      Date: 07/18/2025

      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 7, 2025, you were approved for a WebBank-issued AvantCard via the Avant 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 your account was automatically switched to paperless billing without your approval. Furthermore, you stated that your account was charged late fees over a period of time without your knowledge.

      During the application process, you agreed to receive communications from Avant electronically, which included your billing statements. Nevertheless, we can confirm that all statements were sent and have consistently been sent to the email address we have on record: ******************* Additionally, your customer dashboard enables you to check your due date and any outstanding balance, as well as the option to view any available statements. 

      All customers are given the option to modify their paperless settings as needed and our records confirm that on May 18 2025, you successfully updated these settings to receive your statements via mail. Please note that your statements are generated on or around the 5th of each month and will be sent within four (4) business days following your billing cycle date. We have no record of any of these mailed statements being returned to us since your enrollment.

      Per the terms of your Cardmember Agreement, if the total minimum payment due is not paid by the payment due date (which is the 1st of each month) a late fee may be assessed of $28. If a late fee has been assessed within the last six billing cycles, a late fee of $39 may be assessed.

      As a result of non-payment by your due date for March 2025, May 2025, and June 2025, late fees were correctly assessed to your account. As a courtesy, the late fee of $25.00 that was assessed to your account on March 3, 2025, was credited to your account and is reflected on your April 5, 2025, statement. We regret to inform you that we cannot waive any further late fees, as these charges were made in accordance with your Cardmember greement.

      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:07/10/2025

      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.
      My 70+ yr old mother opened a card to allow herself to purchase gifts and cover medical expenses when necessary. A customer going on 2 yrs shes never been late with a payment. Recently her bank switched their debit card from ********** to ***** and it updated the card number that had been being used for her normal payment. After making a payment in April, the company continued to return the payment claiming they could no longer use the card. We updated the payment method to ach in May and they still would not accept payment as it is a social security payee account which I, her daughter, manage. After several phone calls and submitting documentation per the companys request, they continue to actively refuse payment through May despite multiple good faith attempts. In June, we sent a money order which that they claim has still not been processed nearly four weeks later. Every phone calls the representatives state that payment must be made and that nothing has been applied and no payments have been made since March. They continue to add late payment and surcharge fees despite all good faith attempts to pay. The company is proving to be a predatory lender and is currently withholding a cash payment. Despite multiple attempts to resolve the issue the company is refusing to apply payments and causing unnecessary financial burden.

      Business Response

      Date: 07/24/2025



      Dear ****** *****,


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


      You submitted a complaint to the Better Business Bureau (BBB) on behalf of ***** ******. In your complaint, you stated that no payments have been applied to ***** ******* account since March. After that, ***** ****** attempted to make a payment but was informed that they could not use their **** card. ***** ****** then updated their **** debit card to a ********** debit card; however, the payment was still not accepted. Next, ***** ****** tried to change the payment method to ACH, but that payment could not be processed either. You further stated that with each phone call, ***** ****** was asked to make a payment. Ultimately, ***** ****** mailed a payment via money order, but it has not been applied to their account, and fees have been assessed despite attempts to make a payment. You assert that Avant is withholding ***** ******** payments, which is creating a financial burden for them. Therefore, you are requesting a billing adjustment of $114.71 for ***** ******.


      For security purposes, we are unable to release any information pertaining to ***** ******* account. We would need a Letter of Authorization or a Power of Attorney authorizing you to act on ***** ******* behalf. If ***** ****** would like to continue to pursue this matter, they would need to submit a complaint directly to the Better Business Bureau or directly to Avant from the email address on file.


      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.


      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.

    • Initial Complaint

      Date:07/09/2025

      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 paid off the card in October just to be buckled with a monthly fee and unable to close my account until the account balance was 0. I paid the fee and asked to close the account and was told they couldnt until there was a zero balance. I had paid everything and expected it to close. Now I am receiving emails saying I owe them almost 300 dollars and review and its all for the monthly fee and late fees that they will not refund and claim they are in no way an error. I tried to pay them with a balance transfer and now they will not accept my payment and I cannot get away from this fraud of a company.

      Business Response

      Date: 07/18/2025

      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 October 18, 2018, you were approved for a WebBank-issued AvantCard via the Experian Card Platform. You accepted a credit line of $300.00 with a $29.00 Annual Membership Fee (AMF), 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 paid off the card in October, only to be charged a monthly fee. You indicated that you paid the fee and asked to close the account, but were told you couldn't until there was a zero balance. You said that you are receiving emails saying you owe us almost $300.00, which includes monthly fees and late fees that we will not refund. You mentioned that you tried to pay us with a balance transfer, but we would not accept the payment.

      Pursuant to your Cardmember Agreement, the terms of your account were changed, and changed to the Annual Percentage Rate and Monthly Fee for your account were changed on August 30, 2024, and November 22, 2024, and advance written notices were provided. As detailed in the notices you received by email on or around July 16, 2024, and October 8, 2024, you were given the opportunity to reject the new terms unless you became more than 60 days late on your account. 

      Our records show that you made a payment of $288.09 through your customer dashboard on October 9, 2024. However, on October 17, 2024, an interest charge of $5.05 was added to your account, which you subsequently paid on November 6, 2024, again via your customer dashboard.

      On November 17, 2024, your AMF of $29.00 was charged to your account, and additional interest charges were incurred thereafter. Since you did not decline the new terms, those terms became effective. Consequently, on December 19, 2024, your initial monthly fee was charged. Following this, late fees due to non-payment and interest charges continued to accrue on your account.

      Per the terms of your Cardmember Agreement, if the total minimum payment due is not paid by the payment due date (which is the 13th of each month) a late fee may be assessed of $28. If a late fee has been assessed within the last six billing cycles, a late fee of $39 may be assessed.

      After reviewing the relevant communication, we found no evidence that you were in contact with our customer support team regarding your account's closure, nor were you informed that payment could not be made until your account had a zero balance. According to our records, prior to your call initiated on June 21, 2025, your last communication with us occurred in 2022.

      Our investigation into your account has concluded, and we were able to confirm that your account was handled in accordance with our company policy. Kindly note that at this time, we do not offer balance transfers from another card to AvantCard accounts. Furthermore, you were properly informed of all changes in terms, and all of your statements were accessible for review, enabling you to observe the outstanding balance on the account after your payment on November 6, 2024. 

      Our records indicate that on July 9, 2025, you submitted a request to close your account, which was processed. Additionally, you made a payment of $325.00 on July 16, 2025. Please be advised that after the closure of your account, you were reimbursed for the unused portion of your annual fee, which amounted to $9.67. A credit of $16.81 remains on your account, and we have submitted a request to refund this amount to the bank account on record. You will be notified once this request has been processed. 

      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:07/07/2025

      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 used the listed Credit ******************** to establish credit. I have been in good standing and over the past few months paying down debt in order to purchase a home. I used certified bank funds from ********** to pay off the aforementioned company in the amount of *******. They would not accept a payment from an outside source, so I had to get certified funds, and I sent certified funds via *** Tracking. I was given a P.O. Box to send the check to. I was told it would take 14 business days for the check to be processed and accredited to my account. Through the tracking number provided by ***, the check was received by AVANT LLC on May 30th. It was sent May 27th. The check was processed on Monday June 2nd. To this date my account has not been ************************** the payment. Additionally, AVANT has reported to the 3 credit bureaus that my account is late. In a phone conversation reference this on 7/7/2025 to AVANT they are researching the payment discrepancy and that it would take 14 days to resolve! I advised the agent that this was unacceptable being that they told me back in May that it would take 14 days to show up in my account and that has not occurred. This company is trying to ***** me of funds through late fees and additional payments. I simply want my account updated and my zero balanced. 

      Business Response

      Date: 07/18/2025

      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 31, 2022, 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.

      Avant has received your complaint in which you claimed to have sent a check payment of $1,800.00 via *** Tracking on May 27, 2025. You indicated that the tracking number provided by *** confirms that Avant received the check on May 30, 2025. You further added that this check was processed on June 2, 2025; however, to date, the check has yet to be credited. Furthermore, you mentioned that your account was reported as late. You expressed dissatisfaction after being informed that your escalation to locate the payment, if received, would take 14 days to be updated. You are requesting that your account be updated. 

      Upon receiving your complaint to the Better Business Bureau, we followed up regarding your escalation related to the check payment. Please be advised that we were able to locate your check payment of $1,800.00. Even though your check included your full name and the last four digits of your Social Security Number, it was not sufficient to identify the account as it did not include the account number. 

      For future check payments, we advise that you include the following:

      Account number
      Valid remittance slip found on your Avant statement

      We also ask that paper checks and money orders be sent using **** only and not *** or ****** This reduces the chance of delivery delays.

      Be informed that the referenced check has been posted to your account for May 31, 2025. It is important to note that when a check is mailed, it may take some time for the check to reach us. Nonetheless, 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.

      Please be advised that the late fee of $39.00, which was charged to your account in May 2025, along with any accrued interest charges that may have accumulated while we awaited further information to verify your check, has been reversed. The total amount that was reversed is $79.93 and will appear on your statement dated July 23, 2025. As a courtesy, we have also filed an update for your account with the ********************** reporting agencies to remove any delinquent reporting that may have occurred at the time. Please be advised that the credit reporting agencies follow their own policies of updating credit reports, and it may take a few days for this update to reflect on your credit report.

      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:07/07/2025

      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.
      It started June 1, 2025. I made my payment of ***** on June 1. They didn't say anything about having accepted the payment. Then on July 1, 2025, I paid another ***** dollars, and then they charged me a ***** late fee for June 1 and July 1. They had said I paid too early. So, they took the ***** and put it on what I owe instead of a monthly payment. So now, since I paid ***** on July 1, I have to pay another ***** by July 25. I have never heard of a business saying a payment is too early. At least I'm paying it and not just forgetting about it. And in their terms and conditions, nothing states in the agreement where early payments are not accepted.

      Business Response

      Date: 07/15/2025

      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 February 4, 2025, you were approved for a WebBank-issued AvantCard via the Avant 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 made a payment of $60.00 on June 1, 2025. You claimed that we didn't notify you about having accepted the payment, and then on July 1, 2025, you paid another $65.00. You indicated that you were charged a late fee for June 2025 and July 2025 because you had paid too early. You also added that you will now have to pay another $78.00 by July 25, 2025. You further stated that our terms and conditions do not state anything about early payments not being accepted.

      Records indicate that your billing statements are generated on the 1st of every month, with your payment due date set for the 25th of each month. Please be advised that payments made on a cycle date prior to the 5:00 P.M. Central cut-off time do not count towards the next billing cycle's minimum payment due. Customers cannot prepay future payments. As a result of this, on June 27, 2025, a late fee of $28.00  was correctly assessed to your account. 

      On June 3, 2025, an email communication titled  Your AvantCard Payment Has Been Received would have been sent to the email address on file confirming that your credit card payment of $60.00 for June 1, 2025 was received.

      As a reminder, your late fee waiver request for the aforementioned late fee was approved on July 5, 2025, and was credited to your account. This will be reflected on your August 1, 2025, statement. 

      A further review of your account shows that on July 5, 2025, you made a payment of $51.20. Since this payment was made after your statement cycle date, it has been applied towards your Total Minimum Payment that is due on July 25, 2025. Nevertheless, the payment amount that you scheduled was only for your past due balance. As outlined on your July 1, 2025, statement, your total minimum due by July 25, 2025, is $129.29, which means a payment of $78.09 is still required by your due date. It is important to note that the credit applied for the late fee does not affect the Total Minimum Payment Due, which is calculated at the end of each billing cycle and cannot be changed. Additionally, as of July 14, 2025, no late fee has been assessed to your account for July 2025, as your due has yet to arrive.

      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:07/02/2025

      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.
      In November 2024, I had a zero balance at which time someone fraudulently got a hold of my credit card number and information and used set information in an H-E-B in ******* ***** for a total of 700 and some odd dollars at that point in time, someone hacked my account and was able to make payments unauthorized payments using my account for set ********************** card. When the payments came out of my bank account, I contacted my bank went to my bank. I did this as fraudulent they contacted advance. I contacted advance event told me that they will open up an investigation I do not use my event card. I basically just said close it down. My last payment was April 2024 with a zero balance here I set in July and is showing up on my credit report that I have a bunch of missed payments they never did any cases or try to find out anything that was fraudulent about it. They just sit back and just let me get a whole bunch of lake charges and everything like that. I called today July 2, 2025, and they show that they close my account, but they show that I never called for fraudulent case so again I told them about the fraudulent case today. I do not believe that I will get anything from this one, so I am seeking legal damages as well, but I would like to open a file a complaint in Better Business Bureau as well. 

      Business Response

      Date: 07/15/2025

      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 July 4, 2021, you were approved for a WebBank-issued AvantCardvia the Avant 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 your account was hacked and unauthorized payments, along with transactions, were made on your account when you had a zero balance. You explained that when the payments came out of your bank account, you contacted your bank and later us and were advised that an investigation would be opened. You further mentioned the delinquencies shown on your credit report. You claim that we never attempted to resolve the fraudulent activity. You have indicated that you do not believe that you will get anything regarding this, so you are seeking damages.

      Upon receipt of your Better Business Bureau complaint, a thorough review was conducted regarding your account. Please be informed that on November 13, 2024, your account was identified as having potential suspicious activity. This was verified following observations made by our customer support and fraud team, who identified discrepancies in your account and your notification regarding unauthorized activity. Please be aware that in October 2024, changes were made to your email address and address, which have since been reverted by our fraud team. However, our records do not show that you had spoken with a member of our ************* Team at the time to report the fraudulent charges for a case to be opened. We must apologize that during your interactions with us on November 6, 2024, you were not connected with this team for assistance, and we have since taken the necessary actions.

      All payments that occurred on your account between October 24, 2024, and November 5, 2024, have either been canceled or returned. The appropriate team has been notified of these claims regarding unauthorized payments, and we are currently conducting our internal investigations into this matter.

      On July 7, 2025, your account was escalated to our Fraud Team, and on July 9, 2025, it was noted that a fraud case was opened. Given the circumstances of your account, we have advised our team to prioritize your case. Nevertheless, the dispute process may take up to 90 days to resolve once a case has been opened for the disputed transaction(s). Should any information be needed from you, you will receive notification via phone, email, or letter, and you will be provided a final letter with the results of the investigation. If temporary credits have been issued, and should they be found in your favor, they will be made permanent. In the event the case is found not in your favor, the credits will be reversed.

      In response to your concerns regarding your credit reporting, upon completion of our fraud investigation, and if ruled in your favor, we will make a request to the credit bureaus to remove any negative reporting that occurred as a result of the fraud. We appreciate your patience while we have this matter reviewed.

      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 *********************


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