ComplaintsforAvant, LLC

• Initial Complaint

  09/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I've been trying to make payments and get this paid off because customer service is HORRIFIC. My payments via ACH are always returned and they charge me a $15 fee every single time, despite sending them letters from my bank that they are sufficient funds. I've tried making a payment using multiple debit cards and they're declined. My bank has no record of the attempts. I've asserted multiple times that this is an error on their end and finally today, someone confirmed they're having an issue taking debit card payments. This is insane, that they're having such issues processing payments as a financial company but will call me a LIAR when I'm telling them that their returned payment fees are criminal and wrongfully applied.  

  

  Business response

  09/13/2024

  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 10, 2023, you were approved for a WebBank-issued loan via the Evenfinancial 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 *** payments are always being returned, and then you are being charged a $15 fee each time despite providing letters from your bank that there are sufficient funds in the account. You went on to say that you have tried making payments using multiple debit cards, but you have been unsuccessful; you claimed to have been reassured on more than one occasion that the issue was not on our end, but we have since confirmed that we are having issues taking debit card payments.

  Please be advised that by selecting the *** repayment option on your loan agreement, you authorized Avant to initiate electronic debits to the checking account you provided ending in *7989 for your monthly payments. Avant allows a 10-day ***** period for each installment payment. You can move your monthly installment payments up to ten days from the original due date without incurring late fees or penalties. Note that your loan agreement is readily available for review on the Loan Details page of your Customer Dashboard. 

  Payment reminders were sent to your email address on file, notifying you of your upcoming and unsuccessful payments. A total of 17 installment payments, including re-initiated payments, were attempted toward your loan, but not all payments were successful. The payments were returned with a return code of R01. This return code indicates that the bank returned the payments due to insufficient funds being present in the bank account to satisfy the payment amounts. 
  In accordance with your loan agreement, a $15.00 Dishonored Payment Fee, otherwise known as a non-sufficient funds fee (NSF), was charged each time a scheduled payment was returned. NSF fees were charged and debited eleven times, but only seven payments were successful. 

  Your loan agreement explicitly states, "if payment is not paid in full within ten days after its due date, a $25.00 Late Fee will be charged". Once a late fee is correctly assessed to your account, it cannot be waived; however, Avant can offer late fee forgiveness. If, after the most recent late fee is assessed, you can make three consecutive on-time payments, and Avant will credit the most recent fee amount to the outstanding balance of your loan. 

  Avant has several options available to help customers who are dealing with financial hardships. Avant's records confirm that on March 5, 2024, you requested to move your March 12, 2024, installment payment to March 23, 2024. On the same day, you requested a One-Time courtesy (OTC), which moved your March 23, 2024, installment payment to April 12, 2025, the final payment of the loan. These changes were followed by two emails titled "Success! Your payment has been rescheduled." Please be aware that an OTC is only available every twelve months and can only be applied to the next scheduled installment payment when the account is current. All payment change requests must be made at least one business day before the payment is scheduled, prior to 5:30 PM CT.

  Upon receipt of your ************************************ (CFPB) complaint, your account was escalated to the appropriate department for review. Avant's review discovered that you could not make any payments using the debit card option on July 31, 2024, due to a known system error. Avant apologizes for any inconvenience this may have caused and is still investigating this matter. Additionally, please note that this issue did not impact any *** payments.

  Please be advised that the **** and late fees assessed for your account were charged correctly within the terms of your loan agreement and company policy. However, Avant has elected to credit the most recent $25.00 late fee assessed to your account on July 30, 2024, to the outstanding balance of your loan because of the error mentioned above. 
  
  Further review of your account confirms you sent Avant emails inquiring about possible payment options on August 23, 2024. In reply to this email, on August 26, 2024, you were advised to contact Avant directly for better assistance. On the same day, you sent an email stating that you were calling customer service because you were hung up on twice and told them that they were not being truthful. On August 28, 2024, Avant sent a second email advising you to contact Avant directly for better assistance. Avant has not received any documents from your financial institution disputing your returned or declined payments. If you wish to provide Avant with the documentation you received from your financial institution, you may send it to support @ avant.com.

  Per the "Credit Reporting and Monitoring" section of your loan 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 may obtain credit report account information on you on an ongoing basis until this note is paid in full.

  Avant 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. Avant does not remove reporting when we have verified the information is accurate. We advise you to contact the individual bureaus, Transunion, Experian, and Equifax, for more information about how the information reflected in your credit reports impacts your credit score. 

  Keep in mind that payment plans are evaluated, subject to availability, and not guaranteed. If you need help making payments, you can contact Avant's Customer Support team at ************** to see what payment options may be available.

  Note that your account was handled in accordance with company policy, and your loan has never been reported late; therefore, Avant will be unable to remove this account from your ********************** report. 

  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

  09/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have never opened a account with them, I don't even have the credit card. They say I owe them $25 a month. For what?

  

  Business response

  09/13/2024

  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 August 5, 2024, an application with your information was 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, stating that you have never opened an account with us or have a credit card, but we are saying that you owe $25.00.
  Upon receipt of your Better Business Bureau complaint, your account was forwarded to our **************** for further review and investigation.

  Our investigation into 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. In order to reopen the case, we recommend taking the following steps:

  1. Print and complete the  Identity Theft Victims Complaint and Affidavit (Affidavit) that was included in the email communication, which was sent on September 12, 2024, titled "ATTENTION: Avant Fraud Investigation - Action Requested" to the mentioned email address, **********************. 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: ****************
  **************************************************************************
  *****************

  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-AVANT CARD 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.

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

• Initial Complaint

  09/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received notification that my account is overdrawn by $193. I always keep a low balance as we are in the process of buying a home and this is negatively affecting my credit score. There was fraud on my account and they cancelled my card and are sending a replacement. I called customer service and was transferred and put on hold for over an hour. I requested them to email my statement for July and August as I see charges paid I did not make. I was told I would have to wait until the end of September! I want to resolve this! The customer service is a joke! Once I see my actual charges I made I plan on paying off my balance and canceling this card! In the meantime I have to wait on buying our dream home because of this! Ive never experienced such poor service from any company!

  

  Business response

  09/13/2024

  Dear *************************,
  
  We have received 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 30, 2022, 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 program administrator and servicer.
  
  According to your BBB complaint, your Avant Card is over the limit by $193.00 due to Fraudulent Charges. When you contacted customer support, you were told that the dispute process would take until the end of September to resolve. You requested a copy of your July and August statements, a billing adjustment, and a correction to your credit report.
  
  Please be advised that we have conducted a thorough review of our records and can confirm that all scheduled billing statements have been mailed to the address on file, **********************************. We apologize for the inconvenience; however, to prevent delivery disruption or interference in the future, we recommend opting for paperless billing. Kindly note that your billing statements are made available for download on your customer dashboard on or around the 25th of the month, and a notice of your upcoming payments will also be sent to the email address on file, ************************ for each month prior to your due date.
  
  Our records indicate that on September 5, 2024, an email was sent to your email address ************************ titled "Avant Follow Up," advising you that you can obtain a copy of statements from your customer dashboard at ****************************. As a courtesy, a copy of your July and August statements will be included with this response.
  
  On September 10, 2024, your fraudulent transaction dispute was re-escalated to the fraud investigation team for the following charges:
  
  Aug 30, 2024 SCHEELS ALL SPORTS *** FARGO ND $178.48
  Aug 29, 2024 SCHEELS ALL SPORTS *** FARGO ND $83.42
  Aug 28, 2024, ACIMA DIGITAL PLANO TX $81.29
  
  On September 11, 2024, A  Fraud claim (#************) was opened on your behalf, and a Fraud associate attempted to reach you but could not. To continue working on the claim, clarification is needed to verify the above-mentioned transactions as well as any additional fraudulent transactions. A letter was sent advising you to contact a member of our Fraud team at ************** or send a detailed explanation of circumstances surrounding the unauthorized use of your AvantCard to:
  
  Fraud Management Services
  
  PO Box 3880
  ***************
  
  FAX: ************
  
  If you cannot reach our representative, please leave a voice message containing your full name, your case number, the transaction details, and the phone number best used to reach you. You can also email us at *************************************** using the email address on file and include the above mentioned details. The fraud dispute process may take up to 90 days to conclude. During a fraudulent transaction dispute, customers are still responsible for their Total Minimum Payment Due.
  
  As of August 31, 2024, your reported balance is $2113.00, which is over the existing limit of $2000.00. We allow this as a courtesy; however, you should make a payment to bring your balance within your credit limit as soon as possible. Avant does not charge over-limit fees.
  
  After thoroughly reviewing your account we have found that all information reported to the credit bureaus on behalf of your account is accurate. Your loan with us has never been late, and the credit bureaus also provide this information. 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, Transunion, Experian, and Equifax, for more information about how the information reflected in your credit reports impacts your credit score.
  
  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 Complaints Department
  
  Enclosures
  
  

• Initial Complaint

  09/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been a customer with ********************** and was charged $59.00 on 8/17/2024 for annual fee , which I understand but my account that belongs to Avant that they can see did not have enough funds I provided all contact information for myself to Avant email, cell , I do get correspondence from them for fraud & when my payment goes through Im trying to understand why Avant would allow there own customer to be overdrawn and have overdraft fees Why would I not get a email regarding annual fee or email advising me of overdraft this cause my credit score to go down by 46 points or more there is no App my notifications are on I update my address when I move I return calls when they call Im trying to understand why I can not be notified about Avant charges its your charges I want a refund I will pay balance and close account I want my ********************** score back I received no email or text about charge or overdraft no one single response How can you cause your own customer a overdraft and lower there ********************** score its the companies responsibility to notify customers and have proper contact information I supplied all information Every transaction has a reference number except a Avant charge Im asking to be notified of annual fee when its going to be deducted and to be notified when Im overdrawn and in this time with me providing all information that is necessary I should be notified its Avant responsibility.  

  

  Business response

  09/13/2024

  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.
  
  In your BBB complaint, you stated that you were charged an Annual Membership Fee at the end of your billing cycle, which decreased your credit score and caused you to be over the limit on your AvantCard account. You would like a correction to your credit report and a refund because you did not receive advance notice of the *** fee or are over the limit.
  
  Our Records indicate that on July 23, 2021, you were approved for WebBank-issued AvantCard via the Credit Karma Platform. You accepted a $300.00 credit limit with an Annual Membership Fee ("***") of $59.00. WebBank is the credit issuer for the Avant Platform, where Avant operates as the program administrator and servicer
  
  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. Your Cardmember Agreement, which serves as the contract and details the terms and conditions of your account, was sent to the email address on file upon approval.
  
  Upon receipt of your complaint, we conducted a thorough review of your account and can confirm that the *** was correctly charged to your account in accordance with your Cardmember Agreement. The *** has been attached to this response. As a courtesy to our customers, ********************** does not charge over-limit fees.
  
  Please note that the *** is charged during the first billing period after the card is sent and on an annual basis thereafter. As such, your first *** was added to the balance at the end of the first billing period in September 2021. Subsequent ***s will be added to the balance at the end of the billing cycle 12 months after the ***. 
  
  Your monthly billing statements were mailed to the mailing address on file on or around the 17th of each month. These statements included your Current Period Minimum Payment, Total Minimum Payment Due, Past Due Amount, and the Payment Due Date.
  
  After further review of your account, our records confirm we have found that all information reported to the credit bureaus on behalf of your account is accurate. We have recently finished reviewing our most recent credit reporting file and released it to the credit reporting agencies. This file contains account activity information for the month of August and reports your account as current. We advise you to contact the individual bureaus, Transunion, Experian, and Equifax, for more information about how the information reflected in your credit reports impacts your credit score.
  
  We trust that this explanation resolves this matter. At Avant, we go to great lengths to ensure a transparent, customer-focused experience. If you have any additional questions or comments, please contact Customer Support at **************, and we will promptly address your concerns. We appreciate the opportunity to serve you.
  
  Sincerely,
  
  Avant Complaints Department
  
  
  

• Initial Complaint

  08/30/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Applied for AVANT CREDIT CARD. Never received My application could NOT be completed. to confirm my phone number to. issue. THERE IS A GLITCH WITH THEIR SYSTEM . CALLED SEVERAL TIMES TO HAVE ISSUE ADDRESSED. UPPER MGT WAS SUPPOSSED TO CALL.ME BACK .. THRY NEVER CALLED. I DO NOT WANT THE CREDIIT CARD. I WANT TO HARD INQUIRY REMOVED FROM MY CREDIT. REPORT AT ONCE  

  

  Business response

  09/11/2024

  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 August 26, 2024, you applied for a WebBank-issued AvantCard via the Credit Karma Platform. WebBank is the credit issuer for the Avant platform, where Avant operates as the program's administrator and servicer.

  Avant has received your complaint, in which you stated that you had applied for the AvantCard but had difficulties completing the phone verification tasks. You stated that it was an issue on Avant's end. You called several times and were given the runaround. You are now requesting that Avant cancel your application and remove the hard credit inquiry.

  When you submitted information to see whether you qualified for an AvantCard, you authorized Avant to pull a soft credit inquiry. You were provided a prominent "Credit Report Authorization" disclosure, which outlined that if you continued with the application process, you understood and agreed to authorize WebBank and Avant to obtain consumer reports from consumer reporting agencies. After you qualified, the next steps included submitting your materials for final review to complete the application process. At that time, you authorized Avant to perform a hard credit inquiry to determine if you were eligible, which was conducted on August 26, 2024.

  As part of the application and approval process, you were required to complete the phone number verification task. On August 26, 2024, you contacted Avant's customer service team via phone and expressed that you had difficulties completing the phone number verification task as you were not receiving the verification code on your device. The specialist went through basic troubleshooting steps with you; however, you mentioned you still had not received any codes. During the conversation, the call ended prematurely. 

  You later called Avant's customer service team on August 27, 2024, and explained the aforementioned issue to another specialist. The specialist verified the phone number on file, which you confirmed to be correct. The specialist attempted to troubleshoot; however, you refused and requested to cancel the application and remove the hard credit inquiry. The specialist advised you that theyyou could not remove the hard credit inquiry. You then requested to speak with a supervisor. The specialist placed you on hold to get a supervisor on the line; however, when the specialist returned, the line was inactive, so the specialist ended the call. The application was not canceled during this conversation, as you requested to speak with a supervisor.

  You again contacted Avant's customer support team via phone on August 27, 2024, a few minutes after your first call. You explained the issue you had verifying your phone number and requested to speak with a supervisor. Upon being transferred to a supervisor, you advised them that all attempts to verify your phone number failed due to an issue on Avant's end, and you no longer wanted to do business with Avant. You requested that the hard credit inquiry be removed and the application be canceled. The supervisor advised you that Avant could not remove the hard credit inquiry as you authorized it as part of the application process. The supervisor added that there was no known issue on Avants end and offered to escalate your application so the matter could be investigated, to which you agreed. During this conversation, you changed your mind about Avant canceling the application and agreed to wait for the escalation before taking any further action on your application. 

  Upon receipt of your CFPB complaint (ID No. ****************, submitted on August 27, 2024, your application was escalated to Avant's Originations Team for review. It was confirmed that the phone number verification task was not an issue on Avant's end, as mentioned in your complaint. The codes were successfully sent to the phone number ending in *0118 provided on your application; however, you submitted incorrect codes and did not submit codes on the second and third attempts. As requested in your CFPB Complaint, your AvantCard application was canceled on September 3, 2024, and a Notice of Adverse Action was sent to the email address provided on your application. 

  Avant's investigation into this matter has concluded, and we cannot grant your request to remove the hard inquiry as you authorized Avant to perform the inquiry.
  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

  08/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I submitted a payment on the 2nd of August 2024 to Avant Credit Card like I do every month well I received notification that I owe $ ***** dollars for none payment and for late fees. I was never advised that my payment was canceled no text no email.no correspondence what so ever just a collection call for the money today August 30 I received an email from Avant telling me If I don't pay it will go into collections I spoke to ******* on the 28th and she ad used me that my payment was canceled but didn't know why or by whom .If they would of just sent some type of correspondence to advise of the payment not being received I would have sent the money ASAP I have never been late or never have never not sent a payment never I was in the hospital fighting for my life if you need proof I will send that but as a consumer they should help us not bury us all it too was a notice of payment not being received I'm so tired of being Bullied by these companies I've always paid on time always .It's just not right.     

  

  Business response

  09/11/2024

  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 December 27, 2021, 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 submitted a payment on August 2, 2024, to Avant Credit Card but were later notified that you owed $70.00 for non-payment and late fees. You claimed that you were never advised that your payment had been canceled.

  Our records indicate that on August 2, 2024, your financial institution declined your $25.00 debit card payment. Our review of your account found that due to an isolated issue, no communication was sent to you regarding the declined payment. We apologize for the inconvenience this has caused you. 

  Avant has since elected to waive the $25.00 late fee that was charged to your account on August 21, 2024. The late fee will be credited to your statement balance. Please allow up to two statement periods for that credit to reflect on your account. This will not affect the Total Minimum Payment Due, which is calculated at the end of each billing cycle and cannot be changed.

  If you would like to find out more about this declined payment, please contact your financial institution.

  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 response

  09/12/2024

   
  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 **** would advise ro be more diligent with your customers we give you buisness that doesn't give you the right to try to rip us off its called communication and these days there is all forms email,text,mail phone call don't wait until it's to late to be resolved so you can charge us your outrageous fees I may not be rich but I'm not stupid and I Thank God I'm not a Senior and I'm very computer savvy. Thank you but have a little.more compassion especially these days .
  
  Sincerely,
  
  *********************

• Initial Complaint

  08/29/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I want my info removed and they're refusing to do so. Nothing can be changed on the account. My bank info has been on there and it's a security risk. I want it removed and the account shut down. I haven't used them since 2019 there's no need for them to hoard my personal info especially my account number.

  

  Business response

  09/11/2024

  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 August 12, 2019, you were approved for a WebBank installment loan via the ****** Other 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 want your information removed, and we are refusing to do so. You further claimed that having your banking information on file is a risk.

  Upon receipt of your Better Business Bureau complaint, your request was escalated to our internal team for further review. Please be advised that, as previously requested, your bank account on file has successfully been removed.

  Kindly note that Avant is dedicated to the principles of transparency and fair processing of personal information. Please be assured that we value privacy at Avant and comply with applicable law. Because we value your privacy, we do not sell any personal information that we collect without your consent and will not share your data with third parties except to provide services to you upon your request. 

  For more information about how we interact with the data of our current and former customers, please see our Customer Privacy Notice. For general privacy practices in relation to our website, including the categories of information that we may have collected about you, please see the General Privacy Policy at Avant.com.

  As a reminder, on February 16, 2021, your loan was successfully paid off. 

  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 response

  09/12/2024

  I don't apply for loans through ****** never have and never will. I'm don't "claim" anything my information is beyond being at risk. I've had credit cards and banking information leaked to the dark web along with my ssn, dob, address, phone number and name due to data breaches along with my accounts hacked. I'm not using the account and will never use it again it's not difficult to remove the account. There's no reason for y'all to keep storing my personal information. Like you i'm shutting down all dormant accounts. ********************** isn't an exception to data breaches. It's not rocket science, employees also steal customers information to soo.

  

  Business response

  09/20/2024

  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 August 12, 2019, you were approved for a WebBank installment loan via the ****** Other Platform. WebBank is the credit issuer for the Avant platform, where Avant operates as the program administrator and servicer.

  
  Avant has received your complaint, in which you stated that you want your information removed, and we are refusing to do so. You further claimed that having your banking information on file is a risk.
  Upon receipt of your Better Business Bureau complaint, your request was escalated to our internal team for further review. Please be advised that, as previously requested, your bank account on file has successfully been removed.
  As previously communicated, Avant is dedicated to the principles of transparency and fair processing of personal information. Please be assured that we value privacy at Avant and comply with applicable law. Because we value your privacy, we do not sell any personal information that we collect without your consent and will not share your data with third parties except to provide services to you upon your request. 

  
  For more information about how we interact with the data of our current and former customers, please see our Customer Privacy Notice. For general privacy practices in relation to our website, including the categories of information that we may have collected about you, please see the General Privacy Policy at Avant.com.
  As a reminder, on February 16, 2021, your loan was successfully paid off. 

  
  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 response

  09/20/2024

  Sick of the script responses delete the account. You don't need my information anymore.

• Initial Complaint

  08/27/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Avant LLC, I do not have a contract with Avant LLC, They did not provide me with the original contract as I requested.

  

  Business response

  09/09/2024

  Dear *************************, 
  We have received 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. 
  According to your complaint filed with the Better Business Bureau, you are disputing the debt with us because you claim that you do not have a contract (account) with us and state that you were not provided a copy of your contract. You are requesting a correction to be made to your credit report. 
  Our records indicate that on September 10, 2020, 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 program administrator and servicer. Your Cardmember Agreement, which serves as the contract and details the terms and conditions of your account, was sent to the email address on file upon approval. You accepted a credit limit of $300.00 with an APR of 25.99%. 
  Upon receipt of your BBB complaint (Complaint ID# *********, the account was escalated to our Fraud Team for further review, as you stated that you did not apply for a product through Avant. 
  Our investigation into 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. In order to re-open the case, we recommend taking the following steps: 
  1. You must file a Law Enforcement Report, described in item 20 on page H-5 of the attached Affidavit, or an IC3 referral form. The law enforcement Report or IC3 referral form must explicitly reference Avant in order to be accepted. Filing a false Law Enforcement Report may result in criminal prosecution with penalties up to a felony conviction. 
  2. Deliver the Law Enforcement Report or IC3 referral form and any other supporting evidence of identity theft you may have to Avant via email at ********************************* fax to ************, or mail to the following address: 
  Avant, LLC 
  ATTN: Fraud Department 
  ********************************************************************* 900 
  *******, I60654 
  Upon receipt of the documentation, Avant will conduct our investigation to validate the claim. If the investigation concludes the application was submitted falsely, 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 Law Enforcement Report or IC3 referral form filed in connection with the identity theft claim, Avant will not be able to remove the inquiry and tradeline. 
  1
  
  *******************************************************************************;
  **********************;
  www.avant.com 
  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 ************** and reference the Customer ID# ********* for 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. 
  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: **************; ******************************;
  We trust this explanation resolves this matter. At Avant, we go 
  
  

• Initial Complaint

  08/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I figured like most credit card companies charge interest after 30 days. However this credit card company charged me almost 30% interest daily. I've never heard of such a thing.

  

  Business response

  09/03/2024

  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 13, 2024, you were approved for a WebBank-issued credit card via the Avant Platform. WebBank is the credit issuer for the Avant platform, where Avant operates as the program administrator and servicer.
  
  Avant has received your complaint in which you stated that we are charging you 30% on interest daily.
  
  Please be advised that the terms of your Avant Card were clearly and fully disclosed on our website during the inquiry process and prominently displayed on the cardmember agreement prior to signing. Per the terms of your cardmember agreement, your variable APR is determined by adding a margin (a number of percentage points) to the Prime Rate. The Rate Information table in the Rate and Fee Summary portion of your agreement specifies the margin that is added. As the Prime Rate is adjusted, an Avant Card customers Variable APR may also be adjusted as set forth in the Cardmember Agreement. Any adjustment in your Variable APR will be visible on your billing statement. 
  
  Additionally, on the last day of the billing period, we calculate the interest by multiplying the applicable Daily Periodic Rate by the account's balance for each day in the billing cycle, then sum the interest accrued each day. If you did not make a statement balance payment during your last statement period, you will receive an interest charge on your next statement for any interest accrued during that period. This is called trailing or residual interest.
  
  In order to stop receiving further trailing interest charges, you need to pay your statement balance for two consecutive cycles. For additional information regarding how interest on your AvantCard is calculated, please refer to your cardmember agreement.
  
  We can confirm that our practices are fair and equitable and that your account has been handled in accordance with company policy. 
  
  Please note that we are also in receipt of your ************************************ complaint, and we will address any additional concerns regarding the interest on your account. 

  At Avant, we go to great lengths to ensure a transparent, customer-focused experience. If you have any additional questions or comments, please contact Customer Support at **************, and we will promptly address your concerns. We appreciate the opportunity to serve you. 
  
  Sincerely,
  
  Avant Complaints Department
  
  

  
  

  Customer response

  09/09/2024

   
  Complaint: 22181449
  
  I am rejecting this response because: I do not have any documentation to send. I have never received a physical copy of any sort and as soon as I closed my account I have no access to any information. I would like a copy of the original charge as well as all the interest charges. The minimum amount has also increased from the first month that I paid. I canceled it asap. I assumed the agreement was like every card of mine and others monthly interest not daily. Nobody I have spoken with except the rude customer service I have spoken with has **** of such a thing. I understand why Avant has so many complaints against them. From now on I will no longer Assume. And I would like Physical copies stated above so I have documentation. I will not take there response.
  
  Sincerely,
  
  ***********************

  

  Business response

  09/13/2024

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

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

  You have rejected our response because you stated that you never received a physical copy of any document(s), and as soon as you closed your account you had no access to any information. You are now requesting a copy of the original charge as well as all the interest charges. You also mentioned that the minimum amount has increased from the first month that you paid.

  In response to your claim that you received no physical documents, Avant can confirm that you enrolled in paperless billing upon approval. Your monthly billing statements were made available on or around the 11th of each month, and an email notification was sent to the email address on file. Your Cardmember Agreement was included in the email titled Welcome to Your AvantCard, sent on March 14, 2024, again to the email address on file. 

  As previously outlined via your initial BBB Complaint, the terms of your Avant Card were clearly and fully disclosed on our website during the inquiry process and prominently displayed on the cardmember agreement prior to signing. Per the terms of your Cardmember Agreement, your variable APR is determined by adding a margin (a number of percentage points) to the Prime Rate. The Rate Information table in the Rate and Fee Summary portion of your agreement specifies the margin that is added. As the Prime Rate is adjusted, an Avant Card customers Variable APR may also be adjusted as set forth in the Cardmember Agreement. Any adjustment in your Variable APR will be visible on your billing statement. As requested, we have attached a copy of your Cardmember Agreement.

  The first posted transaction on your account was a charge of $14.97 from the merchant Wal-Mart. Avant has attached a copy of your April 2024 statement which shows all transactions you initiated that month. We have also attached your May 2024 through July 2024 billing statements for your review.

  Your Current Period Minimum Payment is the greater of 1% of the New Balance on your statement plus any late fee and interest assessed during the current billing period, or $25. However, if the difference between the New Balance on your statement and your calculated Total Minimum Payment Due is less than $1.00, your Total Minimum Payment Due will be the New Balance on your statement. You will need to pay the Current Period Minimum Payment and all past due amounts to be in good standing. At any time we can require you to pay all amounts by which your balance exceeds your credit limit. This information is also readily available on your monthly billing statements and outlined in the attached Cardmember Agreement.

  All customers are still able to access their online account even after closing their account. You may do so by entering the email address and password that you used to log in previously.

  At Avant, we go to great lengths to ensure a transparent, customer-focused experience. If you have any additional questions or comments, please contact Customer Support at **************, and we will promptly address your concerns. We appreciate the opportunity to serve you. 

  Sincerely,

  Avant Complaints Department

  Enclosures
  
  
  

  
  

• Initial Complaint

  08/15/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company and I never did any contract there is a credit card fraudulent open in my name with my personal information . I want this account to be removed out of my credit report immediately

  

  Business response

  09/02/2024

  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 on March 7, 2020, 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 complaint, you claim that you never entered into a contract with Avant for an AvantCard. You claim that a fraudulent card was opened in your name, and you want the account removed from your credit report.

  Your Cardmember Agreement, which serves as your contract and details the terms and conditions of your account, was sent to the email address ********************** titled "Welcome to your AvantCard" on March 9, 2020. As outlined in the Cardmember Agreement, you accepted the terms of this agreement by using your card and not canceling the account within 30 days after the card was sent. For your convenience, a copy of your Cardmember Agreement is attached to this response.

  As a result of non-payment, on November 30, 2021, your account was charged off with a remaining balance of $469.79. The account no longer accrues interest, and fees are no longer assessed.

  Avant received indirect credit reporting disputes via e-OSCAR, an automated system between Avant and the Credit Bureaus, from you between January 3, 2022, and August 9, 2024. These disputes claimed that you dispute the current balance, the past due amount, and the account status. You stated the account should be reported as closed, that inaccurate information was being reported, and that the account did not belong to you. You further stated that you were affected by a natural disaster or declared disaster. Avant reviewed the credit reporting information, determined that the account was reported accurately, and responded via e-OSCAR between January 19, 2022, and August 9, 2024. 

  You also submitted a credit reporting dispute on August 9, 2024, claiming that the account was opened fraudulently. Due to this, the account was escalated to Avants fraud team for further review. That same day, Avant determined that your account was not opened fraudulently based on the information they reviewed. Avant sent a letter detailing their investigation, along with an Identity Theft Affidavit (Affidavit) to the mailing address on file, *************************************************, for you to return to Avant to investigate your claim of identity theft further.

  If you still believe that the account was opened fraudulently, Avant recommends that you take the following actions: 

  Print and complete the attached "Identity Theft Victim's 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 and send in 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. 

  Please deliver the Affidavit, Law Enforcement Report, or IC3 referral form and any other supporting evidence of identity theft to Avant via email at ********************************* via fax at ************, or by mail to the following: 

  Avant, LLC
  ATTN: Fraud Department
  **************************************************
  Suite 900
  ******* Illinois 60654 

  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. 

  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, they may request the nationwide consumer reporting companies to place a fraud alert on your credit report. They may be contacted at: 

  Equifax: **************; Equifax | Credit Bureau | Check Your Credit Report & Credit Score 
  Experian: **************; Check Your Free Credit Report & FICO Score - Experian 
  TransUnion: **************; Credit Scores, Credit Reports & Credit Check 

  Here at Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any additional questions or comments, please instruct them to contact the Avant ******************** directly at ***********************************.

  Sincerely,
  Avant ********************
  Enclosures
  

  
  

*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. ↩