Avant Credit Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/08/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	NM XXXXX	Web
XX/XX/XXXX and today XX/XX/XXXX I once again am trying to get this Creditor removed from my XXXX CREDIT REPORT, as it has been removed from my XXXX XXXX and XXXX Credit Reports after my first dispute. XXXX XXXX and XXXX both confirmed by investigation and then removed deleted this Creditor from my credit reports. However, XXXX Credit Bureau refuses to remove them even though I have all the legal documents proving that Avant Credit is in violation of their own, " Settelment Contract that we did on XX/XX/XXXX. in fact, Avant Credit was allowed to contnue charging me as if the account had never been closed up into the last week ofXX/XX/XXXX. According to XXXX as was told to me when I tried to report this billing errors, " They said that Avant Credit has removed the continued billing on a, " Timely Manner '' therefore no actions would be taken against them. I disagree with this as it proves my point that there were major mistkes in Avant 's Billing Dept. and no one would take responsibility for these mistakes. " To prove my point even further, XXXX continued to claim that because there were many, many missed payments, " They could not remove this Creditor from my credit report. " I tried repeatedly to dispute this claim and to date I think I have disputed this Creditor like 10 Times now! '' Because of the history of my Billing History, I was able to prove as it is on their records as well that even on the Date/Month that I settled this account with Avant, " I was still listed as, " NO PAYMENT! '' And, of course that is grossly incorrect. On Our, " Agreed Upon Settlement Contract '' it clearly states in black and white, that this account is to, " FOREVER VOID AND NULL AND REMOVE, '' from my credit reports as they agreed to these terms by their own addmission. The Settlement Contract also states that this would be reflexed on my credit report, meaning the changes that they agreed to do with me! It goes on to state that, " At no time can anyone bring this account back because they made claim to have it forever voided and null and not to be disputed. When I saw that Avant Credit has been reoved from my XXXX XXXX and XXXX Credit Reports, I then attempted to dispute it with XXXX as they just would not remove it and I provided all the legal documents needed to prove my case and yet they continued to allow Avant to go on and continue charging my me as if the account was still, " Open '' which of course was very wrong, very illegal and very unethical as it was hurting my credit scores. So, I then took, " Snapping Tool Photos of the activity and attempted to report it to the Supervior in charge of my account and I was still unseccessful in getting it removed! In fact, this very same Supervisor who was in charge of my credit report, then went on to, " Lock-Up '' my account to the point that no othe employee could make any changes as they did try and help me but they told me that my credit report was completely locked up and this Supervisor was the only person allowed to make any changes! '' " This of course did not set well with me as this XXXX Fraud/Dispute Superviour and I landed up having negative words as I told her that I disapproved of her, " Work Ethics! '' I did not mean to say such mean words to her but I was very frustrated and upset that she would not accept the, " Settlement Contract as it was written. " I should not have to be punished because mistakes were made on Avant 's Billing Dept. 's Errors! ( It became very apparent to me that I has been correct when I tried to figure out why my Account was so messed up! The proof falls at the hands of Avant Credit as I am able to show, " True Facts '' in Avant 's Billing Dept. I will submit all these documents once again to XXXX, Avant and you all so, " EVERYONE '' can see what took place after I settled the account! What has happened is a grea injustice to me as I have suffered not only physically as I suffer from XXXX XXXX XXXX and I am on a XXXX XXXX under the Social Security Adminstration but I also have be XXXX financially because XXXX refuses to accept the, " Legal Binding Contact '' I have with Avant Credit! My Conusmer Rights has been violoated and I refuse to accept this injustice as it is not right! What follows is what I had reported before : Please see that I have tried to dispute this account and get it removed from my credit report as it turned into a very, " Fraudulent Account! '' ( This letter describes in detail what has happened with this account. ) RE : AVANT CREDIT ACCT # XXXXX ( XXXX CREDIT REPORT ) XXXX Dispute File Number : XXXX AVANT CREDIT ACCT # XXXX ( XXXX CREDIT REPORT ) RE : XXXX XXXX Dispute File Number : XXXX AVANT CREDIT ACCT # XXXX ( XXXX CREDIT REPORT ) RE : XXXX Dispute File Number : XXXX Dear Sir or Madam : To : XXXX, XXXX AND XXXX CREDIT REPORTS & AVANT CREDIT ; I am a victim of illegal, fraudulent activity by Creditor, " AVANT, '' ACCOUNT # XXXXX. I write to dispute the information in my credit report files which are the results of AVANT CREDIT 'S illegal reporting! I have repeatedly disputed this account and have submitted all the documents that show that this Creditor has conducted themselves in an unethical, unprofessional and illegal business monetary manner, for being a lending company! This account is a, ( SETTLED LOAN ACCOUNT ), but the relationship with me has not been correct and I tried very hard to reach out to this creditor repeatedly as you will see in my documents but my efforts remained, unanswered! I am using some of, " My XXXX Credit Report 's Records showing this account I am disputing plus the Contracts. Please note that any reporting transactions that were ever made after I, " Settled with, " AVANT CREDIT was fully AVANT CREDIT 'S actions! '' Nor did I authorized or condone " AVANT CREDIT 'S illegal standard of conducting business for ; " Again, being a, " Loan Company! '' AVANT CREDIT, continued to charge me as if the account was still, " OPEN '' and thus the payments continued causing even more, " Late Payments, '' as I did have some late payments on this account but when we settled had they done everything correctly it would have stood but at this point, it is clear that AVANT CREDIT, violated their own contract! '' According to all of the documents I saved this is what I am seeing and AVANT CREDIT still is ignoring the fact that they surpassed the legal disputing dates, and this is not legal to do! To the best of my knowledge, this continued into the date of XX/XX/XXXX ( UP DATE AND CORRECTION : XX/XX/XXXX) as you will see in one of the documents I am sending you all! We settled in full as agreed by both parties on the Contract on, XX/XX/XXXX as you will see in my documents. You all now have a copy of, " Our Settlement Contract '' and the other documents showing my account 's errors by Avant Credit. It is my belief and opinion that AVANT CREDIT, is not following the laws as stated in the, Credit Financial Protection Bureau ( cfpb ), '' and the, " Federal Trade Commission! '' For these reasons, I ask that you, please delete this Information/Account at the earliest possible time. Thank you in advance for your time in helping me with this account. Please reinvestigate this account and " DELETE '' the disputed item ( s ) as soon as possible, as all three of my major credit reporting agencies are suffering because of this. I have sent all the, " Contracts '' that, " WE '' did AVANT CREDIT, showing exactly the dates that legal business was conducted. In trying to reach out to you all numerous times, I am being forced to proceed further if I need to and submit all my documents to the, " Credit Financial Protection Bureau ( cfpb ), '' and the, " Federal Trade Commission, '' as it is morally and illegally wrong to allow you all to get away with breaking your own, " Settlement Contract! '' ( UPDATE : I even filed a complaint with the Better Business Bureau against both Avant Credit and XXXX Credit Bureau and still I was unseccessul in my attempts to get anyone to abide by a, " Legal Binding Contract that is very clear in its description of what they allowed, which was this account was to be, " Forever Void and Null and Removed and at no time would anyone be allowed to re-open this account! '' " The Settlement Contract goes on to read ; These changes will be reflexed onto your credit report and the approperiate changes will be made! '' Later, I even received the Tax Documentation to file on my Taxes claiming the account was paid in full! ''
04/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 60657	Web
In XX/XX/XXXX, I applied for a relatively small loan with Avant/XXXX XXXX. I was notified of pre-qualification through their partner ( XXXX, whom I have no issue with ). Upon completing the application I was given a message stating that my application was under review and that I would receive a decision shortly. Moments later I saw that had a missed call and voicemail from Avant on my phone, additionally I received an email requesting that I " Please call us at XXXX to verify additional information on my account ''. The voicemail in question had only the sound of shuffling and a person laughing directly into the phone with no details or request of information. I immediately called back and received notification that they were closed and to try again during business hours. I called again the following day and was told by an agent ( obviously outsourced of course ) that nothing else was needed to complete my application. One day later on XX/XX/XXXX, I received email notice that my application was declined, with no specific reason. Per the Fair Credit reporting act, I requested information about my decline and the factors used to make that decision. Upon receiving the reason for adverse action from XXXX/Avant, the reason was listed as " Inability to Verify Identity ''. No mention of any other factors relating to income, credit score or other reasons were listed. Having been pre-qualified and having a personal credit score of 690+ with a strong debt to income ratio, a job in XXXX for over 4 years at the same employer and sufficient income I felt something was wrong with this decision. It was blatantly obvious that a few things occurred : 1 ) For whatever reason, the information in my " hard '' credit pull and the application was insufficient/inaccurate or additional information was needed in order for their underwriting and, or AML compliance team to move forward with the application, this is likely an effort by their application system and internal policies in place to attempt/achieve compliance with the Customer Identification Program ( CIP ) as detailed in the Patriot Act. 2 ) My application was queued as a result of the above inability to properly Identify me and a call was placed to complete the information and verify my identity. ( An unprofessional call placed moments after the application was submitted with no details given and only a person laughing ) 3 ) An email was sent to my email address as entered into the application requesting a call to verify my identity, again in accordance with their internal policy in efforts to comply with the CIP program in the patriot act. ) 4 ) Upon making 2 calls to their provided number I was told twice that nothing was needed to complete my application. i specifically asked if ID, proof of income or any additional info was needed from me ( I was under the impression that the first agent was wrong and something was needed, otherwise they wouldn't have emailed requesting a call ) 5 ) The application " timed out '' per their internal policy or was eventually declined for the reason disclosed to me per my requested notice of adverse action. That reason was that they were simply unable to verify my identity. The aforementioned, presumably due to their inaccurate determination that I failed to reach out and verify my identity per their request and inquiry. That said, I was very frustrated. It became very obvious that my loan application was declined due to either willful or negligent failure to secure and reliably pass requested consumer applicant information to their underwriting team. It is my opinion that any entity using a hard credit pull for the determination of creditworthiness or account opening should not be able to deny a loan or perform adverse action for inability to verify the consumer 's identity directly due to their own operational shortcomings, lack of professionalism or other internal issues unrelated to the consumers documented and consistent good-faith efforts to provide the requested info on numerous occasions. After the ordeal in question I had numerous calls and emails with their escalations team and not a single person had the common sense to simply re-open my claim, revisit the recorded calls, view the account and underwriting notes and admit that the failure to verify my identity was their fault, due directly to me being told on numerous occasions that " nothing else was needed from me ''. If they do a hard pull on a consumer 's credit file ( s ), they ensure stand behind their reason for adverse action and not simply drop the ball and brush consumers off. The appropriate due diligence in verifying my identity was not completed. There is no reason they can stand behind the reason for adverse action the disclosed. These hard credit pulls have implications lasting years and I refuse to let them get away with such carefree mishandling of consumer info and credit reports. They asked me for additional info in writing/email, I called on numerous occasions to provide any info needed and they told me nothing was needed. They then proceeded to decline my application and document the reason as inability to verify identity. This is pure negligence or incompetence, perhaps a mix of the two.
05/12/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IN 46237	Web	Servicemember
I borrowed {$7000.00} fro m Avant in XX/XX/XXXX f or the purpose of paying off my car and used the remaining money to fix some things in my home that I had bought in XX/XX/XXXX . My credit score at t hat time was over XXXX . A inquiry had already been signed for a loan with an interest rate of close to 36 % interest, with a monthly payment of XXXX , which was manageable until problems started arriving by needing to replace my hot water heater, well pump and pressure tank, water softener, and car repairs. These new debts were not an option to replace, My unemployed daughter and her XXXX children were staying with me at that time. My Credit score was in the high XXXX 's if not in the lower XXXX 's because I had just financed my house on XX/XX/XXXX , with a credit score of XXXX . 1. Charging too High of interest rate for the credit score that was presented. 2. Hard to contact representative, most transactions are by internet only when applying for help. 3. They Did not give much information on their website about consumers accounts. 4. They would not work with me when speaking to a company representative on the phone, It was only when I contacted them by mail did they tell me they would re-figure my loan giving me a lower payment, but did not lower the interest rate on my loan that put more interest on the loan I already had. 5. My loan payment of {$260.00}, was taken down to {$210.00}, and my loan schedule recalculated is what I was told, so I do not understand why this delay in being able to pay this loan off early. I contacted Avant by phone to pay off loan on XX/XX/XXXX I wa s given a verbal payoff amount on the phone of the amount of XXXX on XX/XX/XXXX , and XX/XX/XXXX . The loan pay off amount on XX/XX/XXXX on my account by their website was the amount of XXXX . I could not pay this amount on their website, the website required me to call their representative to pay off my loan. I was then given a verbal amount of XXXX on XX/XX/XXXX a nd good unti l XX/XX/XXXX . The funds to pay off the loan was not in the account they had been withdrawing my monthly payment. I was told by their representative I would need to send them a blank check so they could take the pay off out of the other account. In order to make things less difficult and timely, In the morning of XX/XX/XXXX , I moved funds into the account they had on file. In the afternoon of Friday XX/XX/XXXX , I made a return call to Avant to ask them to withdraw the amount of XXXX out of the account they have on file to pay off the loan. I was told I could not pay my loan off today, because they had lowered the payment of my loan, and the pay off amount of XXXX I was given was not the correct amount to pay my loan off. She needed to send my account to another office to verify the amount of my final payment. I asked if it would be more or less than what has been given to me verbally, or amount shown on line. When were they going to let me know, with it being a Friday afternoon. The representative told me she did n't know, but possibly within 24 hours. The money was in the bank and waiting until I was contacted. I was not contacted by Avant on Monda y XX/XX/XXXX , Tues XX/XX/XXXX , or Wed XX/XX/XXXX . On XX/XX/XXXX , I tried making the payment on the website of the payoff amount on my account of XXXX . The website would not let me make the payment, and that I needed to call a representative. I called the representative and was told I owed more than the XXXX , there was more interest due because I did n't pay the loan off b y XX/XX/XXXX . I told the representative I was not going to pay anything over the amount I was given on XX/XX/XXXX , and I had an email with the information that I had until XX/XX/XXXX to pay the amount of XXXX , and I would make a formal complaint if they tried charging me more. The representative put me on hold to talk to someone, and came back to take the payment of XXXX . Payment was deducted from my bank account on XX/XX/XXXX . I did not receive any receipts for pay off as of yet from Avant. On XX/XX/XXXX , I checked my Credit report from XXXX , my account with Avant was open, and had not yet been reported as paid in full. I requested to have XXXX to investigate and update my account as paid in full. On XX/XX/XXXX , When I checked the alert for my dispute, Avant did not report my account as paid in full, but that I still owe {$32.00} on my account. I have requested another investigation by XXXX to ask Avant to correct the error. I am sending documentation to support my claim that Avant w as paid the amount they requested, and by the expiration date that was given to me by email. They keep adding XXXX every month. I have sent my documents to the credit bureau that is proof I paid the correct amount, by the expiration date. You can contact me at XXXX for any further questions you may have.
03/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	GA 305XX	Web
Avant has been making all of my payments deferred payments since change of due date in XX/XX/2018, thus charging more interest for each month. Please see attached : Dear Valued Customer, Thank you for choosing Avant for your personal finance needs. We are sorry to hear that you are dissatisfied with your customer experience. As you are aware, on XX/XX/2018, you were approved for a XXXX installment loan via the Avant Platform. XXXX is the credit issuer for the Avant platform, a closed-end installment loan program, where Avant operates as the administrator and servicer of the program. All applications for XXXX products are considered in accordance with XXXX established credit policy. According to our records, on XX/XX/2018, you agreed to change the repayment date for your loan from the XXXX of each month to the XXXX of each month. As a matter of policy, before proceeding with any payment changes on your account, we must receive your authorized consent. Accordingly, during your call on XX/XX/2018 after you requested to change the installment payment due date from the XXXX of each month to the XXXX of each month, you were provided with a verbal interest disclosure that explicitly advised, you will continue to accrue interest based on the unpaid principal during this period. By postponing your regularly scheduled payment you may have a remaining balance after your final installment date '', to which you provided your verbal consent and confirmation. Accordingly, each installment payment was moved as agreed. Following this conversation, a confirmation email titled, ATTENTION : Payment Schedule Updated - Avant Customers reiterating that postponing your regularly scheduled payment may result in you having a remaining balance after your final installment date. In addition, please note that you agreed to apply your 10-day grace period to your XX/XX/2018 installment payment. Please be advised that XXXX and Avant adamantly deny the use of any deceptive lending practices as all installment loan terms were clearly and fully disclosed on the company website, during the application process, and prominently displayed on your loan agreement prior to signing. As a reminder, the interest on your loan is calculated using the daily simple interest method at a rate of 0.07191781 % per day. This means that interest accrues daily on your loan in an amount calculated by multiplying your outstanding principal balance by your daily rate. Your payments are applied first to outstanding fees, if any, then interest, and then principal. Therefore, any payment deferrals may result in additional interest accruing on your loan. Accordingly, we can confirm that a total of seventeen payments have been deferred and your account will remain open until your loan balance is paid in full. Kindly note that, there are no prepayment penalties associated with your loan, and making early or additional payments may assist in paying down your principal balance faster, ultimately decreasing the amount of interest which accrues over the life of his loan. Furthermore, note that your loan is amortized, meaning that the repayment scheduled outlined in his loan agreement is designed to ensure that the loan is paid off on the date of your final installment payment, assuming the outlined repayment schedule is followed. Again, using payment deferments or making late payments may result in a remaining balance following the completion of the final installment payment outlined in your loan agreement. We hope that this explanation resolves this matter. We are confident that we comply with all applicable state and federal rules, laws, and regulations. Here at Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any questions, feel free to contact our Customer Support Center at XXXX or XXXX. Sincerely, Avant -- Avant XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, IL XXXX Phone : XXXX Fax : XXXX Email : XXXX http : //www.avant.com/ { # XXXX # }
03/09/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	VA 23235	Web
Avant Credit was XXXX of several online lenders that contacted me via email XX/XX/XXXX, I believe, in response to an online lending application made through XXXX XXXX. I needed the money to offset additional college expenses for my daughter, so I accepted the loan offer and paid this loan on time without default at any point with an interest of about XXXX % to XXXX % interest. ( I can not obtain a copy of the alleged origination documents. ) During the initial conversation and on a subsequent loan offer, they advised they were licensed to offer loan products in Virginia. I agreed to the second loan terms, secured by my checking account about XXXX, XXXX. This was a second online lender that had been contacting me after loan application a while ago by my daughter. Shortly, thereafter, I began receiving work and personal calls indicating I owed a payday lender and they were going to have me arrested. It was not until XX/XX/XXXX that I learned Avant Credit was not who said they were. I did n't owe anybody so I chalked it up as a scam call. In XXXX, I was notified by the IRS that someone had filed a fraudulent tax return in my name. During the investigation of identify theft, it was learned that Avant Credit, XXXX, and XXXX were possibly linked to a nationwide scam group and identity theft. I was advised to contact the Commonwealth 's Bureau of Financial Institutions to learn if either of these companies were licensed and/or registered to do business in the Commonwealth. In XX/XX/XXXX, I was notified that none of these companies were legal in Virginia and their practices were fraudulent and violated federal and state laws, including usury laws. In addition, the Office of the Attorney General and the SCC advised that online lenders are illegal in the Commonwealth of Virginia and that they are well aware that they are illegal. Please be advised that you will not receive cooperation. Avant Credit continues to deny that their actions were fraudulent and appear to be legitimate in their responses. However, please be advised that any responses from Avant Credit are false. They are not licensed, registered, or authorized to conduct consumer financing in the Commonwealth of Virginia ( COV ). Avant Credit 's fraudulent loan was allegedly for an installment loan. The Commonwealth of Virginia 's usury rate is capped at XXXX %, unless the company is a licensed consumer finance company by the COV 's State Corporation Commission. Avant Credit 's loan was fraudulent and solicited in the Commonwealth of Virginia as a licensed entity. The loan is null and void under the COV Code of Virginia. Under Virginia law, no loan is valid if more than 12 % APR interest is charged unless it meets a specific statutory exception to the XXXX % cap. XXXX Virginia consumer finance companies may charge more than 12 %, up to XXXX %, but no Internet lenders are licensed as a consumer finance company. Internet installment loans do not meet any of the exceptions under Virginia statues so they are null and void. If a lender who is not exempt from the Consumer Finance Act and has not obtained a consumer finance license from Virginia makes a loan for more than XXXX % APR, the loan is null and void and the lender is not entitled to collect any principal, interest or charge whatsoever on the loan. Virginia Code 6.2-312. All of the information provided in this dispute can be verified with the Commonwealth of Virginia 's Office of Attorney General and the State Corporation Commission. Avant Credit was notified immediately ( see attachment ) to cease and desist all transactions against my checking account and remove any reporting to any and all credit bureaus. They have continued to harass through me multiple calls to my place of employment, which is documented in multiple ways as my employment is a state government agency, public safety.
05/19/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 21921	Web
This is my second complaint because I feel the first one did n't contain all of the details and I feel more violations occurred after I submitted the complain. First I never signed an agreement to start the first loan with this company. I applied for the loan but I never faxed in documents or pay verification. I received an approval that said all I needed to do was send in the documents and once the income was verified I would receive the direct deposit. Well I decided I would n't take the loan so I did n't but Several days later after not returning calls from the company about proof of income, They direct deposited the money. They called after the deposit for me to send in proof of income but I never sent in any paper work, or signed a loan by computer or in person, but since it showed up on my credit report and I had the money I used it, I paid the bills, since they were automatically drafting it from my account. I never read any paperwork when I applied about a monthly service fee. The only thing published was the interest in the approval which was high but not as high as a payday loan. I even took more money once or twice before they discontinued the option to pull from the line of credit when you needed too. That 's when I then noticed after taking the last line of credit I was being charged a monthly service fee on top of a high interest rate, like a payday loan. I filed a complaint XX/XX/XXXX with a company through their compliance email and they emailed me statements that state I signed an agreement with my name typed but I did not agree to the first loan. They signed it. On XX/XX/XXXX I called Avant credit to pay the balance of the line of credit in full and the customer service agent told me that no one was there on the weekends to process a pay in full payment and they could not even set the payment up for a future date, or tell me what my current balance was they could only answer general loan questions or tell me when to call back. I would have to call back on Monday. I was upset because the website said they were open 7 days a week and the website gave me a payoff amount that was different from what the automated system amount was saying and there was no option to pay the loan online or through an automated system and the rep was n't able to take the pay in full payment since it was the weekend. The loan accrued interest on a daily basis so I felt I should be able to make a payment daily. I complained to the rep and then her manager got on the phone and I complained to her as well. I told her I would be filing a complaint and suing for the correct amount but I would pay what showing as owed so my credit was not affected in the process. I called back on Monday XX/XX/XXXX and spoke to XXXX diferent reps that denied me the right to pay the loan off stating the account was under compliance review so I would have to email compliance before the account could be paid off. I emailed compliance before XXXX E.T. the same day and they did n't respond til XXXX/XXXX/XXXX around XXXX E.T. I called on XXXX XXXX, XXXX before receiving the response from compliance again to pay the loan off and was denied payoff again and directed to email compliance because they could n't do anything I would have to go through compliance. Finally I received a response from compliance around XXXX on XXXX XXXX and I called back abd paid the line of credit in full. In the meantime on Tuesday XXXX/XXXX/XXXX a reocciring payment came out of my account for almost {$200.00} which would n't have if I would have been given thr right to pay the loan off. The agreement says they need 3 day advance to stop monthly drafts which was Saturday but since no one was there they took the payment and the pay in full balance that continued to accrue because they would n't allow me to pay the loan til XXXX XXXX.
10/19/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	PA 183XX	Web	Servicemember
After receiving several Pre-selected mailings from Avant, i decided to apply for a 15,000 loan on XX/XX/19 at www.myavantoffer.com, it stated that my credit score won't be affected. In the days to come XX/XX/19 I got an email requesting my latest bank statement showing my deposited income, i am on social security and also get an employers XXXX check, I went on the site in " dashboard '' and supplied my award letters from social security, employer and my bank statement. On XX/XX/19 the a caller from an XXXX country called me, i really could not understand the woman properly, she asked me to fax the documents to XXXX, I became concerned, because it was already submitted on the website earlier, I faxed the information on XX/XX/19. On XX/XX/19 I received an email requesting the same documents and that was followed by another overseas call from a male, again unable to comprehend the reason for multiple requests of the documents and this time the caller stated that my fax was received however the caller would repeat the information on my bank statement and then asked about the source of my income although all documents were official clearly stated in black and white, I then became very suspicious on sunday the XXXX when i received a call from yet another Avant representative you proceeded to go through the obvious script, i interrupt and asked to speak to a Supervisor and a Man who said his name was XXXX got on the phone after 15 minutes and i asked him 1. if this is Avant and why are you calling and emailing me asking for these documents that are already in your possession, 2. was Avant shopping my loan request to other banks, i spoke to XXXX for 20 minutes and expressed my concern about my personal and banking information being accessed by hackers, he told me that my loan is not being shopped around and my information was secured, Avant is in XXXX, and other countries, i did not know that my letters were the interest of the overseas branch, i also asked if Mr XXXX XXXX is also the owner of that overseas branch and he said yes, at this time i asked if my personal information will be sold or accessed by third and fourth parties to harass me and again XXXX reassured me that is not the case. XXXX apologized for the numerous repeated request for the documents and reassured me that he was now going to submit my completed application for review he, did not state where or to whom, i then asked him what country were the 5 previous calls i got were from and he said that information was not available, however i would get an email in the next 24 hrs with a decision either way, that never happened, i called on XX/XX/19 after waiting and worrying about the security of my personal information only for an XXXX woman XXXX to tell me that my loan was denied on XX/XX/19. i then asked for the return of my information and a documented reason why my loan was denied. I believe i am a part of an international SCAM and XXXX XXXX the owner of Avant is at the center of it. Ive gotten 2 calls from unknown numbers attempted a call back but hung up due to fear, i'm asking for a complete explanation from the Avant owner and a return of my documents and a reason for the denial, and in the event this application pulled my credit report i will proceed with legal actions since my preselected certificate invited me to apply for this predatory loan without any effects to my credit score, i wanted a fast small loan that i could pay back within a short time since there was no prepayment penalties, i have no mortgage and did not want one i needed 15,000 to fix my driveway and was willing to pay the price, not be scammed. Please help me
10/22/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	LA 70601	Web
My data was breached by the XXXX Data Breach, therefore, I requested a copy of my credit report. XXXX XXXX was listed on my report saying I was in default with payments. I had never taken a loan out with this Company. I had never received any correspondence from this company. So I disputed the reporting. Once I submitted a dispute with the credit reporting agencies, I received a citation petition filed by the XXXX XXXX on behalf of XXXX XXXX. The Petition indicated that XXXX XXXX was the original creditor and I defaulted on a loan with a balance of {$5800.00}. My Answer was : I do not have any agreements with XXXX XXXX, nor do I owe this company any money. Ten days after my Answer was filed, I was cited with an order to appear in court and show cause why I do not owe LVNV Funding. Today I had to appear in City Court ( XXXX XXXX, LA ) to defend myself against The XXXX XXXX, XXXX XXXX, LA, a collection agency representing themselves as a Law Firm who is claiming to be acting on behalf of XXXX XXXX. The XXXX XXXX position is that the debt was transferred to XXXX XXXX. The documents that XXXX XXXX presented to the Court showed conflicting information. -- -- The initial petition indicated that XXXX XXXX was the original creditor and I defaulted on a loan with a balance of {$5800.00}. -- -- The Affidavit that XXXX XXXX filed with the judgment indicated that the debt was transferred from Avant to XXXX XXXX on XX/XX/2017. ( It did NOT show transfer to XXXX XXXX. ) -- - Another document ( Bill of Sale and Assignment ) showed that the debt was transferred to XXXX XXXX on XX/XX/2017. This information is false because at that time the loan was in good standing and I was still making payments to Avant via ACH. -- - Another document the XXXX XXXX presented was a Transfer of Assignment stating that the debt was transferred to XXXX XXXX XXXX XXXX, then to XXXX XXXX XXXX, then to XXXX XXXX all on the same date, XX/XX/2017. I pointed out all of the inconsistencies to the Judge. Companies like the XXXX XXXX prey on consumers who have had hardship. They set up shop in the City Courts claiming to represent multiple companies, because there were several people in court today that the XXXX XXXX had filed judgments against on behalf of multiple companies. The information they present is false and inconsistent documents. This has an inference of a scam or fraud being committed. The XXXX XXXX has multiple complaints filed against them with the XXXX and CFPB for unethical practices. Yet they continue to be allowed to exercise this type of practice, and they are doing it through the court system. HOW IS THIS LEGAL! It seems all one has to do is present a claim to the Courts that you owe a debt to them without any proof that the debt was actually transferred to them ; only that the debt exist. So these companies gain access to your private information, just enough to show that the debt exist, file a judgment in the Courts and request you to show cause to why you dont owe them this debt. These companies feel like they can present a letter or statement with your name on it and this is proof that you owe them. It only proves that you have gained access to my private information. This is a violation to the consumers not an entitlement to the collection companies. All of the data breaches and easy access to a consumers personal information just makes it easier for companies like the XXXX XXXX to prey on consumers. The law needs to be changed on collection practices.
06/02/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MA 01843	Web
I applied for an installment loan with Avant on XXXX night and went through all the necessary steps of applying - I provided income verification, bank account numbers, my personal log in information to my bank account, personal information and minutes later after it processed, XXXX I received my credit score ( which is the same as they stated it was today ) and finally an email that was a congratulations! I was approved and would have a XXXX/XXXX/15 funding date, in the amount of {$7000.00}. You ca n't imagine my elation - the XXXX time since purchasing a car that I felt I would finally get out of this hole XXXX credit debt ). I also went into my profile on the Avant website and they provided a detailed breakdown of all the upcoming payments - I even have a contract which I signed and read and re-read ( ignoring section XXXX as I was approved, it says it right here in an email, plus I was set up on-line with payment details ). Later in the day XXXX, I received a deflating email stating that my application had expired and I was welcome to apply again - but the email also stated that I was suddenly ineligible ( based on information they already had provided in my credit report ) - this is bad marketing and business practices and has no doubt cause financial havoc on my bank account as I had jumped on paying some bills with my bank account funds as I knew I would have a big deposit during the week. I really was under the assumption that I was approved - I had no reason to doubt their horrible mind games they play with the unsuspecting consumer. I consider myself pretty XXXX street smart - but really was n't ready to take this type of blow - financially, and emotionally speaking. All other services I applied for promptly deny me online and recommend I try Avant, which I did - their interest is hefty but quite affordable - their methods are misleading and am appalled that they are allowed to do business this way!! Good thing I did n't write them a review yet ... I will do that in my own way on social media. Now I 'm thinking I ca n't be the only XXXX they have done this to, others wo n't say anything - but I will, this is n't good business - their practices need to stop!! Yes, the fine print does say that nothing is guaranteed until the funding occurs - but giving people in my situation a false hope is not right - my dreams of paying off my collections, and credit are now ruined and making XXXX simple payment out the door. I make enough to support the loan XXXX a fact that no one even checked with my employer ) and currently have an auto loan that I have made consistent payments on for over 2 years never XXXX being late. I have XXXX small collection in the amount of {$330.00} and XXXX paid charge-off to my credit union in the amount of {$160.00}, Avant is punishing me?? I passed their initial algorithm - but now they say no!!? Yeah it 's their money - but do n't approve people then say no, I 'm going to lose money this week due to their practices! They are supposed to be helping people like me - not turning them away! I have worked at my job for over 9 years, make decent money - and have lived at the same address for over 8 years - but yet, XXXX small setbacks on my report is cause to disapprove the initial approval? Your ads and statements on your website are very misleading!! Should this be ignored or no resolution I will consult my attorney for other remedies.
03/29/2016	Yes	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	NM 875XX	Web
XXXX XXXX, XXXX ( This letter describes in detail what has happened with this account. ) RE : AVANT CREDIT ACCT # XXXX ( XXXX CREDIT REPORT ) XXXX Dispute File Number : XXXX AVANT CREDIT ACCT # XXXX ( XXXX CREDIT REPORT ) RE : XXXX Dispute File Number : XXXX AVANT CREDIT ACCT # XXXX ( XXXX CREDIT REPORT ) RE : XXXX Dispute File Number : XXXX Dear Sir or Madam : To : XXXX, XXXX AND XXXX CREDIT REPORTS & AVANT CREDIT ; I am a victim of illegal, fraudulent activity by Creditor, " AVANT, '' ACCOUNT # XXXX. I write to dispute the information in my credit report files which are the results of AVANT CREDIT 'S illegal reporting! I have repeatedly disputed this account and have submitted all the documents that show that this Creditor has conducted themselves in an unethical, unprofessional and illegal business monetary manner, for being a lending company! This account is a, ( SETTELED LOAN ACCOUNT ), but the relationship with me has not been correct and I tried very hard to reach out to this creditor repeatedly as you will see in my documents but my efforts remained, unanswered! I am using some of, " My XXXX Credit Report 's Records showing this account I am disputing plus the Contracts. Please note that any reporting transactions that were ever made after I, " Settled with, " AVANT CREDIT was fully AVANT CREDIT 'S actions! '' Nor did I authorized or condone " AVANT CREDIT 'S illegal standard of conducting business for ; " Again, being a, " Loan Company! '' AVANT CREDIT, continued to charge me as if the account was still, " OPEN '' and thus the payments continued causing even more, " Late Payments, '' as I did have some late payments on this account but when we settled had they done everything correctly it would have stood but at this point, it is clear that AVANT CREDIT, violated their own contract! '' According to all of the documents I saved this is what I am seeing and AVANT CREDIT still is ignoring the fact that they surpassed the legal disputing dates, and this is not legal to do! To the best of my knowledge, this continued into the date of XXXX XXXX, XXXX as you will see in one of the documents I am sending you all! We settled in full as agreed by both parties on the Contract on, XXXX XXXX, XXXX as you will see in my documents. You all now have a copy of, " Our Settlement Contract '' and the other documents showing my account 's errors by Avant Credit. It is my belief and opinion that AVANT CREDIT, is not following the laws as stated in the, Credit Financial Protection Bureau ( cfpb ), '' and the, " Federal Trade Commission! '' For these reasons, I ask that you, please delete this Information/Account at the earliest possible time. Thank you in advance for your time in helping me with this account. Please reinvestigate this account and " DELETE '' the disputed item ( s ) as soon as possible, as all three of my major credit reporting agencies are suffering because of this. I have sent all the, " Contracts '' that, " WE '' did AVANT CREDIT, showing exactly the dates that legal business was conducted. In trying to reach out to you all numerous times, I am being forced to proceed further if I need to and submit all my documents to the, " Credit Financial Protection Bureau ( cfpb ), '' and the, " Federal Trade Commission, '' as it is morally and illegally wrong to allow you all to get away with breaking your own, " Settlement Contract! ''
03/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 768XX	Web	Servicemember
After my final payment on XX/XX/XXXX, I checked my dash board on XXXX XXXX to make sure that my payment had gone through. Much to my surprise the dash board said that I had a remaining balance of {$890.00}. The following morning, XXXX XXXX, I called Avant customer service to ask why their was still a remaining balance on my account as i had fulfilled the loan agreement. They stated that the remaining balance on my loan was from unpaid interest. I asked how their was unpaid interest when I had made all the payments? The customer service rep. said that they did not have access to all of my account so I asked for a supervisor. I asked the supervisor to explain how their was still a remaining balance on my account. Throughout the entire conversation the supervisor was very vague in answering questions I had. I said several times that I had skipped a payment and that is why I was being charged interest. I told him that I did not skip a payment, I was offered a Courtesy Deferment for my XX/XX/XXXX payment. The supervisor also stated he did not have access to my full account and that any further questions would have to be submitted to the resolution department, which only contacts through email. The supervisor submitted my questions and said that I should have a responds in 14 days. The following day I called Avant back to ask a few more questions that I had. The first customer service rep. stated that I was being charged interest for skipping the payment on XX/XX/XXXX and that the interest was being charged over the last two years. I again explained that i was offered the courtesy deferment. He transferred me to another supervisor and i again stated my questions. This supervisor began to explain that because I had moved some of my payments from the scheduled payment date by a couple of days that those days gain interest as well. I asked her how many days their were in total. We counted them together and came up with 66 days. She explained that the daily interest rate X the principal balance / 365 gave me my daily interest. She used the original loan amount of {$15000.00} as the principal as. Over the phone we did the calculation of .09030137 X XXXX 365= {$3.00} of daily interest. We then multiplied that by the days I had moved my payment date. {$3.00} X 66 = {$350.00}. She quickly stated that this was only an estimated total amount as you principal changes with every payment. I said OK but if my principal goes down with every payment and we used the highest principal amount for the entire calculation how is the two amount completely different? Shouldn't the remaining balance be lower the the amount we estimated since the principal decreases over the life of the loan. The supervisor quickly shut down and would no longer answer my questions and referred me to the resolution department. I have received emails from the resolution department saying that they do not charge interest on a Courtesy deferment but they have not fully answered any of my questions. The just repeatedly refer to the daily interest rate. I have tried to work with Avant to come to a honest resolution as I feel as they are trying to take advantage of me. They have not been honest and no one can answer how they came up the XXXX. They continue to send me pre-written eamils that have no substance.
02/04/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CT 06320	Web
The rate/terms on a loan with Avant Credit/XXXX were not disclosed/agreed to. Complaints have been filed previously, their response shifts slightly from claiming to have screen shots showing terms/rate to consent to receive electronic disclosures. Please see complaint below which details my experience and their various replies which again, seem to shift, neither reply shows proof that rate/terms were disclosed to me. Avant administers the loan, it appears XXXX is the actual lender in which complaints have also been filed against in regard to this and other matter, a XXXX account. XXXX is known to charge unusually high interest rates as their rate of 35.94 % is the highest around and do not consider credit score as a factor, contrary to what they claim. I 've spoken with XXXX XXXX and he mentioned credit score as a factor as well as credit worthiness. My score at time of approval was in the mid to high XXXX range, my rate should not be so high. A number of XXXX reviews, mostly negative, reveals they charge everyone the same flat high rate of 35.94 %, they do not in fact consider credit score. I will again reiterate that the terms such as high interest rate were not disclosed at time of application/loan approval. This may be due to a technical glitch on my end, my computer was experiencing issues including but not limited to screen resolution, lag/freezing, web-pages not fully loading. This might account for rate not appearing or disclosed. I have since purchased a new computer. Had I known of the actual rate I would have not applied. A copy of terms was not sent to me until after I requested it, the last rep ( s ) I spoke to at Avant emailed me a copy, this was not sent to me prior. XXXX XXXX also stated he has screen shots showing terms/rate, etc. There is no way he can show what was seen on my end, on my computer screen, at time of application/approval. XXXX XXXX at XXXX has also claimed the same, however, I have seen nothing as again, they can not show/prove what was seen on my end. They both seem to imply I am or was having difficulty making payments and are missing the point that I refuse to pay this high rate, thus the reason for not making payments. They might be use to people blindly paying them, however, in this case they are wrong. The total paid with interest is over XXXX, according to schedule, more than double the actual loan amount. If they think I will pay this they are sadly mistaken. Information has been provided to my attorney about this matter, in case it is referred over for collection or legally. In closing, please advise them that again, if they wish to continue seeing any kind of payments they will renegotiate the loan somehow or lower rate. Their electronic disclosure ( s ) are just that, electronic, they do not have anything signed by me and might be difficult to prove. As mentioned above, his reply has shifted from having screen shots showing rate/terms to I consented to receive electronic disclosures. Also, he claims I chose the actual loan amount/terms. This is not correct, the loan amount was the only amount offered to me and chose to accept, however, not the high rate of 35.94 %.
09/07/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TN 37934	Web	Servicemember
On XXXX/XXXX/2015, I applied for a personal loan through Avant, also known as XXXX. I applied through this lender due to successfully receiving and paying off a loan with them previously. That evening I followed up via telephone to ensure the bank had all needed documents from me ; upon completing my application earlier that day their Web based system notified me that I would receive a response in XXXX hours. During my XXXX phone conversation I was told that no other items were needed from me and I would receive a decision within XXXX hours. ON XXXX I called avant XXXX different times and they gave me a different answer each time as to why the process was delayed. I then grew concerned that my personal information was compromised because I was getting conflicting stories each time I contacted avant. I followed up again on XXXX and was told by a manager " there was a system error directly affecting my application '' but refused to tell me what the issue was. I grew ever more increasingly concerned that the issue might truly be nefarious in nature and that the lender may be illegally and unethically using my personal private information. I was assured upon asking that my information was indeed safe but the representatives would not expand on how my information was being protected and refused to explain to me how my personal information was safe from this " system issue directly affecting my application ''. I followed up once again on XXXX ( bear in mind, I was told on Thursday XXXX/XXXX/15 that I would receive an approval or denial decision within XXXX hours and as I am filing this complaint it has been going on over XXXX hours ) and spoke to XXXX who had been a representative I had spoke with several days ago. When I had spoken with her on XXXX she told me all needed documentation was in and verified and that I would for sure have a decision by the next day. This time on XXXX, XXXX informed me that there was in fact a system glitch holding up my application and affecting my personal information. She said the system glitch was directly related to my personal loan application. I repeatedly expressed to her my growing concerns about the safety of my information and was each time simply apologized to. I continued to tell her that I did not need an apology but wanted a specific answer to what precisely the glitch was and how exactly it was affecting my personal application which contained my personal information. The representative refused to explain the glitch and each time basically told me that I should take her word that my information was safe. My complaint is in regards to how this lender is handling my personal information. They have refused to disclose to me facts material to my personal information. They have refused to disclose there internal safe guarding practices. They have lied, been unethical, and secretive. They never answer any questions that I ask them, only offer half hearted apologies. I firmly believe that my personal information has been compromised and I ask for Avant to be investigated.
03/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 841XX	Web
On XX/XX/XXXX I received alerts on my XXXX XXXX app that several inquiries were reported to the credit bureaus indicating that someone was applying for credit in my name. I immediately contacted the three financial institutions involved and confirmed that someone was using my ID to obtain loans. Two of the banks took immediate action to end the loan process, Avant did nothing. One of the banks told me the email and phone number the applicant was using, and I confirmed that the information they had was false. Avant would not even allow me to talk to their fraud department nor would they confirm that they would stop the applicant from obtaining funds in my name. I filed a police report and included what evidence I had. Avant was extremely uncooperative while the other two banks were helpful and immediate in their response. I did not hear anything from Avant for months, and when I called they told me there was nobody I could talk to about my " case. '' In XX/XX/XXXX I received an email from Avant requesting that I fill out their " ID Theft '' affidavit which they sent in a PDF form. Upon reviewing the form I noted that Avant wants me to give them all of my personal identification information including my social security number, contact info, driver 's license, bank account information etc. I called Avant to discuss this and still they refused to allow me to talk to anyone in the fraud department. I have no intention of giving all of my personal information to Avant and question why they would ask for such information when they have in their possession a fraudulent application for credit in my name. I decided to file a complaint with the CFPB. After that I received a second email from Avant, this time claiming that they have in fact funded the fraudulent application, even though they acknowledge that I had called in to stop the loan process. Again, they sent the " ID Theft '' affidavit and requested me to fill it out and include a photocopy of my driver 's license or passport, and to have the affidavit notarized. Why in the world would I send any information to this company?! If they did fund the fraudulent application after I filed a complaint with them then I believe they have broken the law. I also believe it is, or should be illegal for this company to require in-depth personal information from me before they will send a request to the credit bureaus to delete their hard inquiry. In their response to the first complaint filed with the CFPB, Avant claims that they had an internal problem that caused the 3 month delay in their initial response to my phone calls to them. I think this is unacceptable. To leave me hanging like they did, wondering if someone obtained funds in my name was stressful to say the least. I think Avant is a terrible company and they have put my credit at risk, and their only response is that they want all of my personal information which I absolutely refuse to give them.
03/19/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	SC 29464	Web
I contacted Avant Credit after reading about them on a divorcing mom 's blog on XXXX XXXX 2015. I am mom who fled a domestic situation in Florida with my XXXX year old daughter, who was XXXX. I moved to a new apartment and needed help getting essentials so that my daughter and I would not be sleeping on the floor. I got the application online and filled it out. Someone called me withh in 15 minutes and said that I qualified for the loan and just needed to provide financial information to show that I could pay back the money. I provided pay stubs, and bank statements. I went back into the program to sign my contract when they said I could, but it would n't work. I spoke to the same rep and she said that I spelled my last name with an L instead of an I. I thought that was strange. She told me to sign it with the L and everything would go through. From there I was contacted and harrassed for maybe XXXX times for financial information, resigning contracts for the same loan, and given empty promises that the money would be deposited into my account. The XXXX time the money was supposed to be deposited, I received an e-mailed letter from Avant stating that the money would be deposited into my bank account ending in XXXX .... I contacted them and told them that the number was wrong. I assured them I double checked it and know that i entered the correct information. ( I have XXXX emails supporting what I am saying including the many times they asked me to resign the contract. ) They said that they had to hold my loan until it was returned to them within 3 days and that then they would deposit the money into the correct account. On the XXXX day, they asked me for a voided check for my account so that they could correctly deposit the money. I sent that information to them. They said someone would get back to me by the end of the week. Monday rolls around and no money and no call. I called them, they said they received my information and they money would be deposited the next day nothing. Finallly, I went to my bank to see if they had attempted to put any money into my account. The rep there said there had been no attempt. Then, she checked to see if money had been placed in the account with the " mistaken number '' in it. She checked and said that the account number did n't even exist. Then she told me to call them and tell them that she would wait while they deposited the money. The young man, claimed there was an IT problem on their end and said the he would ge to the bottom of it, Friday, and call me on Tuesday. I told them I knew that the wrong account number was false and that I intended to report them to you. They have all of my financial information, including my checking accounts, social security number, bank statements, addresses, etc ... Please help. Oh, and I never got a call back and they never deposited the money. It is XXXX XXXX.
11/16/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NH 032XX	Web
A company named Avant has discriminated against me when I applied for A personal loan, I was approved but in the end they denied me, and refused to take my income after approval. I am now being harassed by this company they are switching passwords on me as well as hacking my accounts, hacked into my daughters phone, and my XXXX sons phone is not working properly due to the hacking, also my sons school meetings have been interfered by this company .they are worried I am going to file against them for discrimination, and harassment. they have caused me XXXX by toying, harassing,, and following me everywhere I go, preventing me from checking my credit accounts, and setting up my accounts and interfering with school meeting for my XXXX son. they are in all my bank accounts including credit cards, and they interfere when I pay on my accounts. this company Avant is very criminal, and I hope, and pray they do not keep on doing this to others also .they broke into my email, and not letting me in my mail to check messages for school or my credit accounts .they need to be investigated and prosecuted for this torment they do to people its awful. they have called me at XXXX XXXX am harassing me, and sending me messages with an old lady voice, calling my daughter with A XXXX number, they sent me a note on my cell saying they get an illicit thrill spying on me, I have asked them by email to leave me alone I do n't want any loan from them as they are criminal. I received emails at XXXX. there are many bad reviews on XXXX, and XXXX, XXXX, and news paper articles on their arrest due to discrimination, and harassing others the same as they are harassing me, and causing emotional stress I pray someone from FTC can help me with these criminals, and stop them from harassing me, and my family. this has been going on for 3 months now, and its now considered torture for us. can you please help me stop these criminals. the FTC has information on Avant they have A criminal record. they are using up all my XXXX on my daughters cell phone, and I want to get that money back from these thieves. they have done so much damage to me, and interfering with my daily life schedule for 3 months now. it has been pure torture for me, and my family we all are dealing with this company Avant, my XXXX son who is homeschooled has watched me cry, and its been awful for us. Can you please help me with this criminal company so they do n't torture anyone else like they have done to me. I thank you, and hope we can work together to prosecute them for harassment, and discrimination, and emotional distress so they do not do this to anyone else. I am willing to travel to the FTC to help with this. the chief of police, and the Attorney XXXX office has been helping me on this, and sending me your way. Thank You so much, and I look forward to hearing from you.
11/05/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	LA 708XX	Web
I made a payment to my Avant Credit Card, after reading their payment processing policy, I made a {$100.00} payment on XX/XX/XXXX @ XXXX XXXX Central Time. On XX/XX/XXXX I received an email saying that the payment had posted to my account. The payment had also cleared my checking account from which I made the payment. On XX/XX/XXXX my account was still not showing the payment as available credit on my credit card. I contacted XXXX XXXX XXXX XXXX and was told the payment would not reflect as available credit on my card until XX/XX/XXXX. I asked why seeing that the payment had cleared my checking account and I had received an email from the XXXX XXXX XXXX XXXX on XX/XX/XXXX saying that the payment had been posted to my account. XXXX XXXX XXXX XXXX made no offer to post the payment even after I called their attention to their own credit card payment posting policy outlined on their website. This is basically steeling, as they are charging interest on purchases that they have already received payment for days ago. I have listed their payment processing policy below exactly as it appears on their official website, but apparently they are not responsible for being truthful with their customers. " " XXXX Payments How can I make my payments for the XXXX? We have a few methods of payments available for our XXXX customers. You are welcome to register your checking or savings account to your file here at Avant and can set up either recurring payments through our AutoPay service or initiate one-time payments on the dates you prefer. Additionally, you are welcome to submit paper check or money order payments to the following address : Avant, XXXX XXXX XXXX XXXX XXXX, WI XXXX When submitting paper check payments, we request that you provide the following information on the check : Full name as it appears on your statement Last 4 of your credit card account number Note : Credit Cards are not an acceptable method of repayment for the XXXX. Payments must be received by XXXX XXXX Central time to be credited as of that day. Why does my payment status for the XXXX say " pending ''? A payment to the XXXX will be in a pending status for overnight processing. If a customer initiates a payment before XXXX CT on a given day, the customer will receive credit for making the payment that day. However, the payment itself may be in a pending status until the funds are received and have cleared from the customer 's financial institution. Once the payment clears, the customers current balance will be adjusted to reflect the payment amount theyve initiated. Can I choose/change my XXXX minimum payment due date? At this time, XXXX does not allow our customers to change their payment due date. We apologize for any inconvenience. " ''
08/21/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 64801	Web
In XXXX XXXX I contacted Avant based on an email I received offering an installment loan. I was told over the phone, by an Avant agent that the loan amount might be slightly higher than I would normally pay, 30 percent interest, but after, " a couple of years of on time payments. '' I could refinance for a lesser rate. After 2 years of on time payments I contacted Avant in XXXX XXXX and was told that I could not refinance, even though there was no change in my credit score, my address remained the same, and my employer was still the same. I informed Avant about the statement made in XXXX of XXXX and was told that they did not have to honor it. I contacted Avant several times via telephone in XXXX regarding this dispute. I made the request for the terms and conditions and filed a written complaint ( attached ) via certified mail, as outlined in Avants, XXXX XXXX terms and conditions. Avant did not respond to the letter as they were supposed to in the agreement. I then was told via telephone that if I let the loan fall a few days past due that I could offer a settlement. I allowed the account to fall past due and was then told that I could not pay a settlement amount. I was offered a reduced payment plan, " until the dispute was resolved '' for 6 months. I entered this agreement and paid as agreed. I was not allowed to pay in XXXX of XXXX and had to call a second time and file a complaint to make a payment. In XXXX of XXXX I was again not allowed to pay. I contacted Avant the end of XXXX and offered to make arrangements but was told that someone would get back with me. Nobody returned our calls or emails. I then offered a settlement amount and stated that I did not want my consumer report harmed and Avant offered to settle, but did not provide an amount. I offered an immediate payment of XXXX dollars, but did not receive a response. I emailed several more times and my husband contacted Avant on my behalf to no avail. On XXXX XXXX, XXXX, through the online portal at avant.com I was offered to reduce the rate to 9.99 percent, which I accepted. The next payment due was then shown as XXXX XXXX, XXXX. The account has never shown past due and during the period between XXXX XXXX, XXXX and XXXX XXXX, XXXX I was in contact with Avant regarding the dispute. The last payment was due XXXX XXXX, XXXX ... yet Avant is now reporting that I am 93 days past due to XXXX. I have contacted Avant and they continue to fail to respond. I do not want this to harm my consumer report as I have very good credit, I have not missed a payment on my own accord and only missed the XXXX payment because Avant would not accept it and I was in dispute trying to get Avant to take a payment for the next 29 days.
06/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91344	Web
InXX/XX/XXXX, a loan I have had with Avant, loan # XXXX, became delinquent by about a week. I began getting emails from Avant stating " do n't expose yourself to possible negative credit reporting. '' The email went on to state to contact them and a Payments Specialist will gladly assist me. They stated that " multiple payment options '' were available to keep me from damaging my credit. I make contact, not wanting my temporary financial situation to damage my credit, and they offer me a 3 month reduced payment option. After making the 3 reduced payments, which they arranged and suggested, I would return to my regular monthly payment. On XX/XX/XXXX Avant sent the 3 payment reduction arrangement via email. I make the 3 reduced payments as arranged. Approximately one week before my first full payment would be due again, another creditor asked during a business appointment if I was aware Avant was reporting me late, and showed me my credit report with three 30 day delinquencies. I contacted Avant and spoke to a gentleman named XXXX, who confirmed that I was indeed being reported late for each month I did not make a " full '' payment. I explained to XXXX that it was not noted anywhere in my temporary agreement that a result of accepting THEIR agreement offer would be that I would be reported late. If they had disclosed that to me, as I believe is required by the Fair Credit Reporting Act, I would have rejected the offer and found another alternative. I requested that they remove the late payments because they failed to disclose to me that their policy was to report late to the credit bureaus in spite of having a current payment plan, and they refused. I requested to speak with a manager, who would only confirm through XXXX that the policy was indeed to report late, even though they did not disclose this action would be taken. Since then, I have filed a complaint with the Better Business Bureau ( BBB ) in XXXX Illinois where Avant is headquartered, and through several back and forth communications through the BBB, Avant has continually answered my complaint that they failed to disclose their policy and plan to report me delinquent by saying, literally, " we also did n't tell you we would report you timely either. '' I feel that it is now necessary to take the next step an file a complaint with your agency. I believe Avant has broken Fair Credit Reporting Act laws by not disclosing to me that they planned to report me delinquent regardless of my temporary payment arrangement, and the emails they sent which purposely leads you to believe that contacting them and making arrangements would protect your credit, and their policy is to do the very opposite.
02/14/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 96003	Web
In XXXX of XXXX I applied and was approved for a loan from Avant ( via XXXX ) in the amount of {$13000.00} at an interest rate of 31.97 %. The monthly payments are {$480.00} with the total finance charge being {$10000.00} for total payments of {$23000.00}. Upon contracting for this loan I was advised that after one year I would be able to refinance the loan for a better interest rate, which is exactly what I had planned to do. In XXXX of XXXX, after one year of full and timely payments, I applied for refinancing and was declined. I was advised correspondence stating the reason for the decline would be sent forthwith, yet I never received one. I was also advised that I could " try again '' after 30 days. I continued to so, nearly every 30 days, and was always declined, with no correspondence as to why. My living situation has since changed plus I now have medical bills which require my attention for possible ongoing treatment. This time I pressed very hard for correspondence explaining the reason I was being declined. I conveyed to customer service that all I want is to re-fianance the remaining balance ( as of this date {$10000.00} ) for a more reasonable interest rate ( the rate I pay on my credit cards is 28 % as I do not have perfect credit ). The reasons stated for their decline sounded made up at best ( e.g. insufficient income ; limited credit experience, etc. ) When I asked for elaboration, they provided none. None of the factors they have stated are true and I responded as to why their reasoning was incorrect. If these factors they are stating are a reason to decline my request for a re-finance to the lower amount and lower interest rate, should n't they have declined the original loan? In addition, I have asked to have the due date changed from the first of each month to the middle of the month ( which is easier for me to handle financially ). Avant also declined that request ; however, I am allowed to move the due date month by month to a date being no later than the XXXX, but am charged additional daily interest for me to do so. Can the above experience be defined as some sort of usery? I fully intend to pay the loan, but was clearly under the impression that I would be able to re-finance said loan after a year as I made my full and timely payments. I feel I am being continually being declined ( due to ridiculous reasons that make no sense ) so that the company can continue to benefit from the outrageous interest they continue to charge. I can provide copies of said emails at your request, and a copy of the original contract, should you so desire ; however they are not attached to this complaint as they contain personal information.
08/23/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NC 28079	Web
I was pre-approved on XX/XX/2018 from for multiple loans on XXXX XXXX and XXXX powered by Avant was one, who provided the best rate of 9 % based on soft inquiry.. I decided to apply and complete application with them on Monday XX/XX/2018. Since pre-approval on XX/XX/2018 my credit score went up by 5 points because I have paid down another account on my credit ( MY CREDIT IMPROVED ) I processed application and was asked to complete task. Provide my bank log in information, and my last month bank statement. A disclosure came up that states a decision will be made within 24 hours. Next morning on XX/XX/2018 I called to question why was I required to provide my bank account login information as I was uncomfortable afterwards. I didn't feel comfortable giving my credential for a loan company to access my bank info anytime. They did explain that this was to verify my income. The person I was talking too, mentioned that they want another paystub " showing my monthly bonus '' added. At this point I was very upset because they can clearly see my year to date income WHICH INCLUDED my bonuses on my recent pay stub. I provided the info and waited till Wed XX/XX/2018 morning and still no decision. At this point I am extremely hesitant and called XXXX at XXXX and asked to withdraw application a requested to speak to a manager. I was told by a male that a manager would have to call me back about my concern. Never heard back from a manager, I then received email on XX/XX/2018 at XXXX XXXX that states " Right to request specific reasons for credit denial '' Your Credit Score : XXXX Date Credit Score Created : XX/XX/2018 Score range from a low of XXXX to a high of XXXX Key Factors that adversely affected your credit score : Length of time revolving accounts have been established Proportion of loan balances to loan amounts is too high Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Time since most recent account opening is too short Inquiries impacted the credit score I then called XXXX and asked for manager again. They introduced me to XXXX who confirmed at the beginning of the call that I was talking to manager. I shared the reason why I wanted to withdraw and my hesitation on sharing multiple income information. She confirmed that they reason they didn't give a decision is because they were closed at XXXX and opened next day at XXXX. THE DISCLOSURE DOES NOT STATE THAT! it states a decision will be made in 24 hours. She confirmed later that she was a supervisor and when asked to speak to someone in management she said there would be no one available to talk to me.
08/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32566	Web
To Whom It May Concern : I have recently been informed that there are negative information reported by XXXX XXXX XXXX in the amount of {$XXXX} with status of charged-off, amount of {$XXXX} with charged off status, amount of {$XXXX} with charge off status, amount of {$XXXX} with charge off status, Avant INC with {$XXXX} balance with XXXX late status opened XXXX XXXX, XXXX, and XXXX XXXX XXXX with {$XXXX} balance with charge off status opened XXXX XXXX, XXXX on my credit file they maintained under my Social Security number. I sent XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX letters in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX asking to provided documented proof, bearing my wet signature, showing I consented to the inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX as of XXXX XXXX XXXX, still has not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was told by XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX that they do n't have to show me any proof and that I heeded to take it up with the Credit bureau to get it removed. When requesting documented proof of the contract and asking to show proof I consented to having XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX run inquiries, bearing my wet signature, XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX sent me billing statement stating that this was verification I requested which is false and they said it was proof. I never asked for billing statement because that 's still not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked the question to where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.
04/12/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	OH 449XX	Web
A loan was taken out in my name from a company called Avant in XXXX XXXX . I have previously sent them my police report an d two n otarized identity theft affidavits. I sent the first notarized FTC Identity Theft Report and copy of my police report via certified mail on X/X/XXXX . They then sent an email on XXXX XXXX XXXX , stating in bold lettering that " An FTC Identify Theft Report '' is not acceptable ) and requesting I fill out and have notarized a new form which I sent back to them on XXXX XXXX I have since received an email from their fraud department ( on XXXX XXXX XXXX ) stating their investigation was closed and the account would be removed from my credit reports. I am currently being sued by a debt buyer, XXXX XXXX in relation to this account. I 've requested via email th at Avant notify XXXX XXXX and XXXX 's attorney, XXXX XXXX , of the findings of their investigation. They did not agree to notify XXXX XXXX or XXXX XXXX , and instead directed me to handle the issue with them on my own. I informed Avant I had already sent my police report and affidavits to XXXX XXXX and XXXX XXXX and have not heard back from either company, and the lawsuit has not been dropped. I have requested a manager or supervisor from Avant 's Fraud Department contact me by phone on multiple occasions, both in writing and over the phone. The phone reps at Avant insist it is impossible to speak to anyone in the Fraud department because " they only do business over email ''. I also contacted the company I believe is their owner, or funder of their accounts, called XXXX XXXX , informed them of the situation and request a call from a manager or supervisor. XXXX XXXX informed me they have no way to intervene on Avant accounts but the XXXX XXXX rep stated she was sending an email to Avant 's fraud department requesting a manger call me asap. That was several weeks ago and no one from Avant or XXXX XXXX has contacted me. I have also requested a letter of clearance stating the results of Avant 's investigation and that the account would be removed from my credit reports. Although they have replied via email since then, this request was never addressed in their response. Since I have provided all the requested documents to Avant and they have determined the account was opened as a result of identity theft I believe they should have the responsibility of notifying the debt buyer they sold the account to of the situation.
01/06/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	FL XXXXX	Web	Older American, Servicemember
As a XXXX XXXX rate service connected permanent, and total Veteran Administration XXXX XXXX XXXX Veteran since XX/XX/XXXX I never had credit cards or credit in my lifetime until I reached age XXXX due to untreated service connected XXXX from XX/XX/XXXX-XX/XX/XXXX I survived on low-low income my entire single not married adult life. I established too many credit card accounts because all were so low capped I took too many that I ran into trouble paying off monthly. XXXX has a system where credit cards are treated like " Cash Advance Payday Loans '' that must be paid off in full each by the first of the month when I thought I was applying for a " revolving charge account '' type of credit line never having credit cards in my life before. This became overwhelming on my Social Security Retirement {$450.00} a month benefit and for XXXX {$3100.00} a month VA XXXX with no savings, living alone outpatient care in XXXX XXXX with XXXX XXXX XXXX XXXX veteran housing starting XX/XX/XXXX. I applied for a loan online with Avant they went directly into my XXXX XXXX XXXX Account page with remote password, and all credit card consolation loan for {$7800.00}. My credit rating went up 730-735 or so-after I paid them all off. But then a car repair gouge {$2500.00} on a XXXX XXXX XXXX front end work, and new tires XX/XX/XXXX over the year destroyed everything. All my accounts are closing, the {$310.00} to Avant is from Social Security thru two+ more years. I have applied for their refinance on $ XXXX balance several time automated system spits it back refused. I have explained my situation written email many times always automated system refusal with no personalized customer support type email in return from customer support. Now payments increase I use that payment for food, living, utilities, basic survival since missing last month payment after years of paying high interest.. No cooperation from Avant support at all just payment increase, and demand among other credit card companies like XXXX, XXXX XXXX and other high annual fee credit card corporations. Simply stated I can not pay on this loan another 2+ years from my XXXX now {$460.00} a month with XXXX XXXX and maintain my XXXX XXXX, XXXX, XXXX XXXX and sustain a living situation or go homeless again after being homeless from XX/XX/XXXX to XX/XX/XXXX in XXXX County , XXXX XXXX , Florida . My Avant account monthly payment plan c/p : Principal Interest Fees {$140.00} {$170.00} {$0.00}
07/02/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	AZ XXXXX	Web
On 3 separate occasions this year, Avant Card Services has proven to be misleading, incompetent, and not as transparent. There needs to be more educational training and customer service coaching for these phone representatives. Please note the following concerns that need to be addressed : 1. On XX/XX/XXXX, I was experiencing financial difficulty due to the pandemic. I called in advance of the XX/XX/XXXX draft date and spoke with a rep who confidently assured me that the payment would be cancelled and I would be unenrolled from auto pay until further notice. I precisely confirmed this with the rep and even re emphasized the importance of un-enrollment of auto pay because of lack of funds. I was reasaured of this and was even enrolled in the relief Program from XX/XX/XXXX, XXXX XX/XX/XXXX. On XX/XX/XXXX I see a charge for {$25.00} and was livid because I had a different expectation in mind based off of my previous conversation on XX/XX/XXXX. I called Avant to address the matter and they filed an internal complaint and then proceed to send me an email stating how the procedure is supposed to be and that they were sorry for the misunderstanding. Interestingly, I have made all of my payments on time during this so called relief period so that Avant will not report late payments to the credit bureaus especially because my trust in them to handle small matters has completely diminished. 2. On XX/XX/XXXX I called Avant for a simple billing question. At this point I know I am officially off auto payments AND my relief program is ending in XXXX so I need to confirm the payment due date and amount. The rep advises that she sees a {$0.00} balance and there is no due date in her system but I am more than welcome to make a payment now. This did not make any sense so I disconnected with her and opted to call back a later time. 3. On XX/XX/XXXX I called again for two simple matters. I wanted to see if I qualify for an increase and confirm my payment due date and amount. The gentleman proceeds to provide the same answer that there is a {$0.00} amount due however he states my payment is due on XX/XX/XXXX. I got into a little debate because the previous rep said I have no due date or payment this months since I am on the relief program. I have been making payments consecutively up to this point. It was super frustrating and the inconsistency leads me to believe there is some misrepresentation of facts.
03/27/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	SC 29720	Web
I am a victim of identity theft dating back to XX/XX/XXXX, my wallet was lost, in it were my ID, and social card. This company name Avant Inc, Acct # XXXX .... out of XXXX, let someone get a fraudulent loan in my name for {$3300.00} in XX/XX/XXXX. I went to my local police when I saw it on my credit report. They told me since I could n't prove it happened in their jurisdiction, they could n't issue me a report, there was nothing they could do. They told me to contact the credit bureaus and have them take care of it. So thats what I did. I have disputed this information until I am blue in the face. The credit bureaus wo n't remove this account. XX/XX/XXXX I contacted Avant Inc directly by mail. I told them this was a fraudulent account, I asked them to send me copies of the loan agreement contract, so I can compare the signatures. As I know it would n't be mine. They never sent me anything. Of course they going say they did n't receive the letter. So I disputed the account again and it was n't removed. So XX/XX/XXXX, I wrote them again and again asked for them to send me copies of the loan agreement contract, so I can compare the signatures. Of course they going to say they did n't receive this letter either. I also spoke to a lawyer, that told me that once, I get the the loan agreement contract, do a notarized affidavit of forgery, and send back with the loan contract signature, and that would be enough proof to show I did n't take out a loan or sign the loan papers, and the company would remove the account from my credit report within 30 days. The lawyer said it was simple business contract law. The signatures do n't match, so the fraudulent contract would be invalid and I would be released from liability, because I did n't opened the account. Today is XX/XX/XXXX and Avant Inc, still has not replied to any of the letters and never sent me any loan agreement contract, with my signature. They have not sent me anything. How can this company, place a fraudulent account on my credit report? I requested documentation on 2 occasions, they will not send it. This is the 7th month since requesting copies of the loan agreement contract. They will not respond, because these documents do not exist. They try to take advantage of the little person, because they are a big multi national corporation. I want this account removed from my credit reports. Please help.
04/02/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Improper use of your report Credit inquiries on your report that you don't recognize	NJ XXXXX	Web
Dear Sir/ Madam, In XXXX of XXXX, I obtained a small loan of {$3000.00} from Avant, www.avant.com, I applied for it online, Avant received their payments on timely manner until the loan was paid in full in XXXX XXXX as per the terms. Although, the loan was paid off, they kept my personal information exposed in their system, that included the name and address and phone number and my Social Security number & more, which suppose to have been deleted and the account should have been closed after the last payment. On XX/XX/2019, I received an email from Avant claiming that I was declined for a credit card that they supposedly have, I never applied for the alleged credit card, nor I had any knowledge that they even offer a credit card, beside the fact, I am not in need of their credit card. I attempted to call Avant and speak to the supervisor, I told her that I never applied for Avant credit card, and I asked her to show the information on the alleged application! she refused to give any information about the address on the application that supposedly was for the credit card, she refused to mention any information that did not match my information on the Fraudulent act. This alleged claim, caused a hard inquiry on my credit report which caused a big damage to my credit reports, and I do feel that my information was stolen & robbed internally at Avant 's corporation by one of their individuals. They sent me an email asking me to fill an identity theft report, I refused to do that, because the credit bureaus will keep that on my report for two years and freeze all my information. I sent Avant a letter by a certified mail, it's attached on this complaint advising Avant to delete my information immediately from their system and confirm it with a formal letter addressed to me. I also want to demand a letter from Avant to all the credit Bureaus to remove the hard inquiry that has been caused by their intention and negligence. Letters have been sent to the proper authorities and to my Attorney and to Illinois State Attorney General. Avant is located - Avant XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX I respectfully ask the CFPB to use it's legal inspection and investigation and force such fraudulent behaviors in such agencies to face the law and to stop them from robbing consumers information for their personal and fraudulent uses. Thank you
03/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MA 02184	Web
I initially attempted to apply for a personal loan for me and my wife through Avant. We submitted information under her name since Avant did not allow joint applications, and when we got to the end of the application it was asking to verify banking information. We attempted several times to verify the information to finalize the loan but we were getting error reports form the Avant website, and was eventually informed they could not process the request. This all started on XX/XX/XXXX. At this point we moved on to another company for our lending needs since the Avant website informed us they could not process our loan. on XX/XX/XXXX I got an email stating my loan had been approved through Avant and on XX/XX/XXXX {$9400.00} had been deposited to my checking account. I did not have time between XX/XX/XXXX and XX/XX/XXXX to stop the loan since I hadn't even checked me email that day due to personal things going on. I immediately submitted payment for the entire deposited amount on the same day, XX/XX/XXXX, and sent a request to Avant to cancel and/or refund the remaining fees that were about {$1000.00} since this loan was finalized by an error on their website. Over the next several weeks I had been in communication with Avant and they continued to tell me that the terms were clearly stated when I signed up for the loan and that I was responsible for the remaining pay-off amount despite the technical error on their part. There was a period of greater than one week between one request I made and their response. They made no attempt to rectify this issue, but only to point blame at me because of the terms I agreed to. I explained multiple times that I knew the terms and I was more than happy to move forward until their website informed me that they could not move forward with my request. I was simply seeking the remaining amount due on my loan be removed, even after I have already made a payment of over {$400.00} for nothing. I do not feel I should be out almost {$1000.00} dollars as a consumer for a technical error on a companies website. I received my final communication from them was on XX/XX/XXXX stating that again the terms of the loan were clear and that it was my responsibility to pay off all the fees associated with the loan even though it was a technical error and returned the deposited funds the same day from the loan.
05/24/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 76210	Web	Servicemember
I opened an account with AVANT in XX/XX/XXXX to help us pay a deposit to move into a house, we reached out to AVANT because they were able to approve us for the loan of XXXX with payments of {$250.00} a month for 36 months. We had minor issues paying AVANT, but they worked with us to resolve them. Fast forward 2 years and for some reason, the ACH withdrawals would process days before the scheduled date ( would either puts us in the negative or wrong amount would be debited ). We called to make arrangements to split payment up to, $ XXXX/ {$120.00} every two weeks to make it easier to repay ( changed due date ), somehow the full payment processed and they had to refund us half the payment couple times. We called to complain about poor customer service ( the interest rate ) and to cancel the ACH ( to remedy ACH issue ) and was told it wasn't allowed to cancel based on the contract. My wife who is a loan officer stated no company is allowed to keep a customer on an auto-pay system and the customer has the right to cancel upon request but is still required to repay a loan. We told them about the CFPB violation and they quickly canceled the autopay. We made a payment that processed properly after that we attempted to go on a payment plan that cut our payment in half per month, we agreed to the terms and a couple days before the due date of the first payment of the payment plan, Avant attempted to debit {$270.00} the same week as the payment plan payment. My bank charged me an ISF fee I called them only to find out Avant was trying to debit the amount. Remember we already canceled the auto pay, so when we agreed to the payment plan it reactivated the auto pay where attempted to debit our account, we explained this to our bank and recommended a stop payment until we resolve to issue with the creditor. I called recently to find out they added over {$1000.00} to remaining balance and posted a late payment on my credit report. Instead of trying to resolve the payment issue they are using predatory tactics to debit our account. We initiated the payment plan to get current, they are trying to take more than was authorized which a breach of the initial contract and the repayment plan contract which specific dates they breached. Avant has mishandled my account since i opened it.
06/29/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	LA 711XX	Web
On XX/XX/XXXX, I received the enclosed letter ( dated XX/XX/XXXX ) from XXXX, XXXX, requesting payment of {$350.00} which they stated is past due. I dispute this debt. In XX/XX/XXXX, the debt was paid as follows : Date of Check Check # Amount Date Posted by AVANT XX/XX/XXXX Check # XXXX {$6800.00} Posted by AVANT : XX/XX/XXXX XX/XX/XXXX Check # XXXX {$6800.00} Posted by AVANT : XX/XX/XXXX XX/XX/XXXX Check # XXXX {$130.00} Posted by AVANT : XX/XX/XXXX TOTAL PAID : {$13000.00} I received an email dated XX/XX/XXXX which stated my payoff amount on XX/XX/XXXX would be {$13000.00}. As shown above, I paid the loan BEFORE the deadline, and they then emailed on XX/XX/XXXX, advising that I owed an additional {$130.00} by XX/XX/XXXX. The final payment was received by Avant on XX/XX/XXXX. On XX/XX/XXXX, I received an email and advising that I owed {$610.00} by XX/XX/XXXX. I telephoned AVANT and was told this was an automated email and not to worry about it, since the loan had been paid in full. ( Confirmation in attachments ) On XX/XX/XXXX, I received another email advising that I owed a payment of {$610.00} by XX/XX/XXXX. Because this email was identical to the automated email of XX/XX/XXXX, and I knew my loan had been paid in full ( see three checks above ). I did not respond to this notification. On XX/XX/XXXX, EIGHTEEN MONTHS after the last email I received, Avant emailed me that my payment of {$6.00} is due on XX/XX/XXXX. Because this email was almost identical to the automated emails of XX/XX/XXXX and XX/XX/XXXX, I, again took no action. At no time after XX/XX/XXXX, did AVANT notify me in writing that my final payment of {$130.00} did not get my loan paid in full. The email of XX/XX/XXXX says {$6.00} is due. Where did that number come from? More importantly, how did {$6.00} suddenly become {$350.00} between XX/XX/XXXX and XX/XX/XXXX, the date on the enclosed letter? Furthermore, I have received 19 more automated emails all of which have different amounts saying payments are due. I have replied to their emails, called them, sent certified letters and received no response from an actual employee, only the attached automated emails. And now apparently I owe over {$1000.00}. I paid the loan balance of {$13000.00} in XX/XX/XXXX. I do not owe {$350.00}.
04/12/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 11729	Web	Older American
1. I have an Avant personal loan. For 6 months I have been making payments on time, they withdraw {$270.00} from my XXXX XXXX XXXX account. This works fine. 2. I called them on XX/XX/2019 to make other arrangements to pay this month 's installment and they said I could use a credit card. Master or XXXX. I gave them my MasterCard number, which had {$660.00} and change available credit. They said it was declined. They then put it through again after verifying the number and expiration date and 3 digit number on the back. They had also asked for my fill mane and address, my social security number and my phone number if I recall. They put it through again. It was declined again. 4. They suggested I try another card. I asked them if they could find out why it was declined and they said I had to do that. 5. I called my card provider and was informed their vendor ID had come up as being flagged as a gambling related operation which they would not honor. This is XXXX XXXX supposedly reputable, or at least within the boundaries of the law? 6. I called Avant customer service back and they expressed sorrow for inconvenience and appreciation of my patience and that this is the " first time '' they had ever heard of such a thing, them being flagged as such and they suggested I try another Mastercard. I thought, not a good idea. They then suggested I deposit cash into my bank account so I can make my regular scheduled payment but I explained if I had cash I would have done so already basically. 7. I spoke to a supervisor and asked to speak to their legal department and they said they would register my issue with their higher up department but that would take up to 14 days before anything might happen. In the interim, my concerns are : a ) I believe their customer service, offshore from what I can speculate, based on the accents and the boiler room background noise on the phone conversation, was phishing my personal information. b ) They are denying my the ability to pay my bill deliberately in order to charge me a late fee and or extra interest by making it as difficult as possible to pay them. c ) They may be guilty of predatory lending and or in violation of some law or another. Buyer beware I know, but this is just disheartening.
09/24/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CT XXXXX	Web
Prior complaints were made against Avant Credit and directly against the issuing bank, XXXX, pertaining to terms of a loan which were not disclosed at time of application/approval. Avant claims they were disclosed when in fact they were not. The high interest rate was not disclosed at the time of loan approval and payments ceased on the loan after attempts at lowering interest rate were unsuccessful. Avant has not provided any proof I agreed to the terms of the loan and does not have my signature on any documents agreeing to such terms. Avant refers to screen shots in prior replies to complaints, none of which they have shown.. The attempts mentioned prior include speaking with a XXXX XXXX directly at Avant as well as XXXX XXXX at XXXX whom I was not able to reach, calls from my number were not accepted and had to call from a different number. Once I was able to reach a rep at Web-bank, I was told Mr XXXX does not accept calls. Mr XXXX defended the high interest rate and would not agree to lower it or offer any other kind of remedy, he was advised payments will cease on the loan which they have. The last payment made was sometime in 2015, Avant is still reporting my account on my credit report, adding on interest and fees as a way to harass and also harm my credit score. Avant is aware of my dispute and will not resolve it, expects me to pay the high balance and interest which is at or around, {$16000.00}. The original balance is {$6800.00}, Avant is clearly adding on interest and fees as well as reporting the account to credit bureau ( s ) in an attempt to get me to pay which will not happen unless they agree to resolve my dispute over high interest rate. Their last reply closes with requesting me to call customer service to make payment arrangements which again, will not happen unless they agree to waive interest/fees, lower interest rate. In closing, please advise Avant they can continue to add on fees and interest but again, they will not see any further payments unless they agree to resolve my dispute. I am currently speaking with an attorney to see if what Avant is doing in regard to credit reporting is legal or not, it appears Avant is still reporting my account well after the contract end date..
11/06/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	FL 34787	Web
I applied for loan with Avant, Inc. on XXXX XXXX, 2015. I was informed by Avant that I was approved for {$12000.00}. I provided all of the requested documents, and communicated by phone 4 or 5 times. I actually spent over 4 hours on hold between XXXX/XXXX/15 and XXXX/XXXX/15, and I was even disconnected on one occasion, after being on hold for nearly an hour. Avant 's customer service representative was kind and thorough in handling my questions, but there was n't any follow through from Avant. On XXXX/XXXX/15, I was informed my application expired, and a new loan application was activated. The new application was activated when I logged on to my account to check my status because a contract requiring my signature was on my screen, and I was n't able to navigate on my account, without signing the contract. I was not aware the contract was for a new application, and I was not aware my original contract had expired. Due to Avant being in possession of documents containing my personal and financial information, on XXXX/XXXX/15, I logged on to my Avant account to verify there had not been any activity on it. On XXXX/XXXX/15, I received an e-mail from Avant stating I applied for a loan on XXXX/XXXX/15, and it was declined. I did NOT apply for another loan on XXXX/XXXX/15, nor will I ever apply for a loan from Avant. Based on information I located on the internet, Avant is rated XXXX and a half stars out of XXXX stars in comparison to other lenders, but my experience with Avant did not reflect the practices of a company worthy of a positive review. In my opinion, Avant was misleading, and their customer service was deplorable. In addition, I am now concerned about the possibility of fraudulent use of my personal and financial information due to the notification stating that I applied for a loan on XXXX/XXXX/15, when I did not apply for another loan. I e-mailed my complaint to Avant, and they replied, informing me they deactivated my account, and they referred me to their privacy policy regarding my concern about my financial information. Although my complaint to Avant was handled, it should still be noted that their methods are suspicious, and their communication is painfully time consuming.
06/09/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 93422	Web
I obtained a loan in XXXX of XXXX for {$5000.00} from Avant. While in the process of applying, I realized the interest rate was very high ( 36 % ). I was very uneasy about accepting the approval but was trying to mend my credit so I asked about the ability to have the loan refinanced internally after a period of time to have the interest rate lowered. When speaking with a representative, they assured me that if I met a few compensating factors, I would be able to refinance and have a lower interest rate applied to my loan. The factors are listed below : Request at least an additional {$1000.00}, maintain the same or better credit status and income situation. I have continually tried to refinance with every application resulting in a decline. I have asked numerous times for reasons for the decline and get the run-around from customer service. I finally received a valid answer last year, that it had not been a year since origination and they advised I wait until after a year to re-apply for a refinance. That I did. When I re-applied, I was declined again. I requested reasons for the decline and this was the response I received : 1.Income insufficient for amount of credit requested 2.Limited credit experiences 3.Presence of BK 4.Length of time revolving account has been established too short In response to those reasons please see below : 1.I make more money now than I did in XXXX of XXXX 2.I have had credit since XXXX so I 'm not sure the reasoning behind that explanation 3.I had a BK present on my credit at the time of origination for the original loan. 4. I do have XXXX new credit cards but I have had revolving credit for over XXXX years. Here 's my complaint ; I feel as though they trapped me into this loan. if I knew that I would be unable to refinance the loan for a lower interest rate, I would gone a different route. I believe that my recent applications are being intentionally declined so Avant can continue to unfairly collect a high rate from me. I had no idea what I was getting into when I signed up for the loan. The process was very quick and confusing and I feel stuck. The representatives are very unhelpful and unknowledgeable when I call and ask for an explanation.
10/16/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC XXXXX	Web
After making my first payment in XXXX XXXX, I logged into my account on or around XXXX XXXX expecting to have a payment due. The banner across the top of the page told me that my next payment was n't due for another 25 days. I then logged off. I logged on to my account approx 1 month later, and again, across the top of the page in large bold print, it indicated that my next payment was n't due for another 28 days. I then logged off. A week or so later I got an extremely rude phone call from a rep at Avant telling me that my payment was three months past due and that I owed them $ XXXX in order to make it current. My original loan was for {$10000.00}. Now I had every intention on paying back the loan, but this really took me by surprise. I have 30+ accounts that I pay monthly and have a hard time keeping track of them all. When I logged in, I had no way of remembering what transpired a month ago. But the representative on the phone showed me how to navigate through the web page as I logged into my account while on the phone with him, and I said, " See, it shows right here, my next payment is due on XXXX XXXX. He then showed me how to find down at the bottom after scrolling down a ways in fine print where it had last month 's and the month prior 's payment showing delinquent. ( Dates may be off by a few days, but this is the best of my memory of what happened approx a year ago ) Knowing that this has more than likely already greatly damaged my credit, I decided that the way that there web page displayed my account info was extremely misleading and that I was going to fight it. My job is extremely demanding and as a XXXX XXXX at a XXXX XXXX, I know how strict the guidelines are for creditors and figured that there is no way they are abiding by the correct disclosure guidelines and want the whole account to be dropped. Today I got a call from a company who had claimed to have bought my debt from Avant. I have n't received a call in almost a year from Avant and have honestly forgotten about this whole thing until today. I really hope there is something you all can do to help me. Thank you for the time you 've taken to read this. Sincerely, XXXX XXXX XXXX
02/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 33702	Web
On Wed, XX/XX/XXXX at XXXX XXXX CST, XXXX XXXX XXXX wrote XXXX To Whom if anyone this may concern : OBVIOUSLY YOU CANT READ DATES AS YOUR ENTIRE REBUTTAL IS ABOUT XXXX NOT THE CURRENT ISSUE XXXX My secondary home WAS AFFECTED BY HURRICANE FLORENCE XX/XX/XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. XXXX changed the address to XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. I had over 11k in damages to my secondary home. I work from this home 6 months out of the year and do have an office in the home. I sent you a copy of my insurance claim showing the damage IN THE PRIOR EMAIL. If you had bothered to LISTEN TO THE CALL AS REQUESTED XX/XX/XXXX you would have heard the information. Also your representative was given the info twice I do believe during that phone call. I was advised by your Co. Representative that THE DISASTER ASSISTANCE 90 DAYS no pymts to allow me to make repairs. I was told next pymt due in XX/XX/XXXX. I called in prior to XXXX and requested an additional month extension to complete repairs due to extensive flooding in the area and unable to get to the property due to road closures right away. It was granted. I was then told next due XX/XX/XXXX. I WAS NEVER INFORMED IN WRITING OR OTHERWISE ANY DIFFERENT. I was late making this payment and when I signed in to make the payment, I saw you had the ACCOUNT MARKED INCORRECTLY AS PAST DUE 4 MONTHS. I CALLED IMMEDIATELY. You need to review the initial call requesting disaster assistance. I NEED THIS CORRECTED/MY CREDIT REPORT FIXED ASAP to reflect no late payments. If this is not ESCALATED TO THE PROPER PERSON TO CORRECT, I will seek legal action to resolve, with you using YOUR COMPANY 'S recorded phone call as proof this is what I was informed. This has caused me to be turned down for credit for repair financing, and beyond furious. Someone there dropped the ball or didn't reach out to me to get info if you needed it OR ADVISE THERE WAS EVER ANY ISSUE! XXXX!!!!! I WAS NEVER NOTIFIED AT ALL. I'LL await your prompt reply/correction. THIS NEEDS TO BE CORRECTED TO SHOW NO LATES AS PER AGREEMENT WITH YOUR REP FOR DISASTER ASSISTANCE XX/XX/XXXX. XXXX XXXX XXXX
05/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92064	Web
I received notification on XXXX / XXXX / XXXX from XXXX Identity Monitoring services that an account had been opened w/ Avant Credit under my SSN and maiden name. I received notification fro m Avant shortly after confirming the credit application had been processed. I promptly contacted Avant Credit and al erted them to the fraud. They requested that I complete a Victim 's Complaint & Affidavit form at their request which I provided to them along with a copy of the police report I obtained at their request on XXXX / XXXX / XXXX . I also contacted the ( XXXX ) credit bureaus to report the fraud and provide copies of the affidavit and police report. I continued to receive collection notices from Avant during the period of XXXX XXXX XXXX . I contacted Avant 's compliance department multiple times and provided them with a second copy of the affidavit and police report on XXXX / XXXX / XXXX and requested again that they close the account and notify the credit bureaus. I received an email from Avant on XXXX / XXXX / XXXX confirming receipt of all documents and stating they would contact XXXX . I responded on XXXX / XXXX / XXXX alerting them to the fact that the delinquent account was shown on my XXXX XXXX XXXX reports as well and that I expected them to remedy the situation w/ all XXXX credit bureaus. I ran my XXXX credit report today ( XXXX / XXXX / XXXX ) and the account is still showing as open and delinquent so I contacted Avant yet again to ask them to close the account on their end and notify XXXX as I requested on XXXX / XXXX / XXXX . Customer s ervice representatives at Avant continue to refuse to allow me to speak w/ anyone in the Compliance department or provide me with any sort of documentation confirming that they 've actually closed the account and notified the credit bureaus. Avant 's identity verification process is extremely sloppy which is why this fraud was able to occur in the first place and has been extremely unhelpful in resolving this issue despite all the documentation I 've provided them ( including a police report ).
03/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85718	Web
The end of XXXX, I called Avant to share that I was having a financial hardship. They approved a short-term payment plan for my loan at a lowered monthly payment than what I previously had with them. My payment required due date was by XX/XX/XXXX. I had previously had my payments on an ACH payment to Avant for over $ 400/month through my XXXX account. I stopped the ACH to assure that the old payment amount would not be drawn. I called and informed Avant of this and was told NO PROBLEM. Avant provided me with their mailing address and my exact account # and I immediately created an account for them on my XXXX bill pay. A check was mailed out mid XXXX and cashed/cleared from my XXXX account on XX/XX/2020. My XXXX bill pay does not pull funds until the merchant cashes the check. This happened on XX/XX/2020. However, Avant is saying that they did not receive the payment until XX/XX/XXXX. They therefore kicked me out of the short term plan, reported me to the credit bureau, and despite me sending copies of my bank statement showing their payment clearing my account on XX/XX/XXXX, refuses to reinstate me back onto the plan. I did make my second monthly payment in this plan for XXXX. The check cleared my XXXX account on XX/XX/XXXX which is two days after it was sent. I have sent 10 emails begging for help. I have called a dozen times pleading for help. I have done NOTHING wrong and this company has now ruined my credit score. XXXX XXXX is a supervisor that I have spoken to multiple times. They claim that a " back office '' determines things and they can not help me. Today, I received a letter from Avant representative " XXXX '' that was meant for another customer named " XXXX '' and it contained his personal information. This company is reckless and in violation. Please help me. I can provide my bank statements as well as poor XXXX email that they mailed to me addressing a bi weekly plan ( FYI - they told me that this email was for me and someone typed in the wrong name ... I NEVER asked for a bi-weekly payment plan so this is another lie ).
01/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WI 53219	Web	Servicemember
On XX/XX/XXXX Avant LLC took a payment {$210.00} via debt card for {$110.00} payment On XX/XX/XXXX Avant LLC refused to take a payment for {$170.00} for a payment installment of {$75.00} due to a company policy, which did the last month. The company try to force me the consumer to make EFT for amount over the installment payment, which believe is violation of Electronic Fund Transfer Act. I report it to the Federal Trade Commission for Avant LLC is continuing to violation the Electronic Fund Transfer Act. On XXXX XX/XX/XXXX, Avant agreed to pay {$3.00} XXXX to settle charges of the Federal Trade Commission. According to the FTCs lawsuit, the company engaged in deceptive loan servicing practices and violated the Telemarketing Sales Rule and the Electronic Fund Transfer Act. Note the on issues that Avant LLC pay XXXX XXXX to settle with Federal Trade Commission was violated Electronic Fund Transfer Act. I believe Avant LLC again violation EFT act with me on XX/XX/XXXX with me try force EFT for overpayment amount. On XX/XX/XXXX I call Avant LLC to talk to supervisor when got the supervisor Avant again refuse the over payment of {$170.00} for a overpayment to the account. However, state company policy not allow debt or credit card purchases over installment which did try force a second attempt to make overpayment of installment payment by EFT only. However, the company did allow the normal payment which is over {$75.00} by allow XXXX on XX/XX/XXXX. Again force the consumers to make installment payment by EFT. I make the payment they allow note report again even though the allow overpayment in XXXX include a overpayment in XX/XX/XXXX. Now I believe Avant LLC is try to fraudulent force extra interest on installment loan on last three payment and Violation of EFT by force overpayment to be EFT payment only. They never did this before in history may installment loan. I Will be report each Act this EFT act violation and attemp to comment fraudulent attemp to gain extra interest on a installment loan.
08/05/2016	Yes	Payday loan	Payment to acct not credited	MO 641XX	Web
In XXXX XXXX I had taken out a payday loan with a Avant credit. At the time I was in severe financial distress. I could not keep up my payments with the contract that I had agreed to with that company, So I went through XXXX program, who negotiated on my behalf with Avant. They sent a contract, had me sign it to set up payment arrangements through the debt management company. I was on a different payment plan and they agreed to settle for less than what I owed. I followed all the way through with the whole plan, paid all the money that they agreed that I should pay ; all of the lesser amount, every payment on time. It is now XXXX XXXX, I happen to pull my credit report, and noticed that Avant credit was on my credit report as over a year late with my payments. I tried to contact them and was told to contact the compliance Dept. I sent them all the documents I had, I even sent them copies of the canceled check that they had cash through my account. Now, they are trying to say that they have no documentation of this contract, their contract that they made up and agreed to, payment plan, they did not receive any payments, and I 'm still late. Someone cashed my checks at that company. I can not get a answer from a live body about this situation. I can only email them or I can call customer service who hasnt been able to resolve this issue at all. I want people to know that Avant credit steals your money. Someone at the company has taken {$1300.00} from me, and nobody is acknowledging that they even know where this money went nor are they acknowledging the contract, that 's after I sent them the contract and the copies of the cancelled checks. How do I resolve this issue. All of my payments went through global client services and were cashed. As I have said, when I call the XXXX # to Avant, I can only get customer service. There is, supposedly, no number for the compliance department ... .they can only be communicated with through email!
09/13/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	OH 440XX	Web	Older American
I went online to check my credit with XXXX XXXX, and i found out my number. and for the last 10 years someone has had my social security mumber and it caused my credit to go down the drain. then after i was done with the site for XXXX XXXX, there was this application for a credit card, so i automatically figured it was associated with XXXX XXXX, and just for the XXXX of it filled it out and just see if i would be accepted. this took place first thing yesterday in the morning on XX/XX/XXXX, later the very next day, not even 24 hrs later, there was {$10000.00} dollars into my checking account!! i phoned this company and told them i did not agree to this loan, and they told me yes i did and i told them again, no i did not and i do not want this money how do i send it back, also, it was still in the pending process.which meant it didnt go through yet and my bank couldnt get involved because it, s a civil maters, then once again " AVENT Credit : '' told me, '' yes you did sign this agreement, and i explained to them, i do not want this money dont let it go thru, all i wanted was to just see out of curiosity if i applied if i was now eligible!! because after struggling to repair my credit the last 10 years!! they told me no i can not, i could but it would cost me {$480.00} something dollars for having to reprocesses the transaction. i told them i was calling the federal trade commission on them cause their a scam company, they put money into people 's accounts and then charge {$480.00} to each person when they dont want it and report me to a debt collection company, iam XXXX years old and do not have any extra money or even close to that amount and it will make my credit so bad again and i do not want their money!! i just want to give it back and because it was still in the process department what was the big problem! the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they seem to be sonmehow connected to XXXX XXXX!
03/08/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DE 19805	Web	Servicemember
Received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter was to settle a debt that was transferred from XXXX or XXXX XXXX. Who I found out after speaking with XXXX XXXX that they transferred the debt back to XXXX XXXX. After I had requested a Debt Validation. My main concerns are they have not ever validated the debt that I request, and upon speaking with them they tell me I need to provide proof of the difference but that is their job as they are collecting on this account. I have never received a break down of how they come with the terms of what I owe. They also do not communicate or update me with anything in regards to this account. Not until I spoke with a collection representative named XXXX today XX/XX/XXXX at approximately XXXX that my account had a cease and desist which I did not put on the account. In addition to the debt validation and balance dispute ; When XXXX first took over this account in XXXX they never sent me any correspondence informing me this was an attempt to collect a debt or that it was in collections. I had a personal loan with Avant or XXXX XXXX and when it had fallen behind I was under the impression I was with an in house Collection or team who would help me get the account in current status and not until I missed a payment is when all of a suddent this collection is on my credit and they demand the full payment or an unaffordable monthly payment. The whole relationship with this collection agency has been falsely represented and unfair from the start and they need to be fined or looked into on their practices. Furthermore, if this is a business who wants to settle or collect on a debt they would have realistic payments and at this point I am being yo-yoed and played with over a debt that could be paid for and settled. I don't know who to work with or make payments to when I do try to agree to some sort of terms.
09/16/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 334XX	Web	Servicemember
This letter is a follow up to my original letter dated XXXX XXXX, 2016 regarding an inaccuracy on my credit reports, regarding account # XXXX, which you claim closed, 150 days late. By not replying in a timely manner to my initial letter on XXXX XXXX, 2016, you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
09/18/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 95691	Web
I have been unable to communicate with the company regarding how my payments are being applied to principal and interest. I have not been able to get an updated amortization schedule of my payments, even though I 've contacted them by both phone and email several times. The customer service center has been unable to even tell me how my upcoming payment ( s ) are going to be applied. I 've been told when speaking to the customer service center by phone that there is no department available for me to escalate this to by telephone and that I must email. I have emailed the address they provided four different times and have received no response whatsoever. The company tells me that because I changed my payment date ( allowed one time during the life of the loan ) that they no longer have the ability to amortize my loan and I can only find out how my payments are being utilized ( P & I ) after the payment is processed. The level of this company 's apathy to my requests is unbelievable. I make my full payments, I 'm not concerned about the amount of the payments as I was aware of that when I took the loan ; I am just trying to understand where my money is being applied so that I can better manage and understand when and how much is going to work best for me if I can make an extra or larger payment to help me pay this off sooner. The company did send me a transaction history, but this has no future payment schedules showing. This was in response to my request for the amortization schedule. I just find it hard to believe that as a financial company, selling financial products, that they have any kind of inability to see an updated amortization schedule. They have one - they just are not willing to share it - as they know and have calculated how much they can make from the loan they gave me. Please help me get the requested information from them.
07/11/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 374XX	Web
I called and spoke with an agent to revoke my ACH authorization and turn off the auto payment function of my account. I had submitted a power of attorney to Avant indicating that I would now be making payments through a debt management program supervised by XXXX XXXX XXXX XXXX ( XXXX ) This was on or around XX/XX/XXXX. On XX/XX/XXXX, Avant pulled XXXX dollars out of my bank account in the form of an electronic draft, despite the fact that I had specifically revoked all authorizations. They knew that would receive payment through the DMP, but they went ahead and double charged me!!! I called to get the payment reversed but the next agent said thet the previous agent should have transferred me to a different department to get the ACH revoked so despite the error on their part they refused to refund the XXXX and said I could file a complaint with my bank. Then, on XX/XX/XXXX, the payment through my Debt management plan was made and posted to my account, thus proving that they had accepted and agreed to the DMP and yet still chose to sneak in another charge that was clearly unauthorized. Avant 's actions have lead to my bank account suffering a XXXX overdraft fee and a XXXX extended over draft fee. My bank, XXXX, closed my fraud claim and said that since I had a previous relationship with Avant that the action of removing the XXXX, while acknowledged as unauthorized, was not the banks problem and that I would have to either take it to court or convince Avant to give me a refund. In essence, Avant took XXXX out of my bank account without my permission, despite having agreed to a Debt Managment Plan with XXXX and accepting payment through the third party. This caused me to suffer XXXX dollars in over draft fees from XXXX. And XXXX refused to deal with the matter. My account still has a negative balance because of this.
09/02/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	PA 17601	Web
I have taken a {$6500.00} loan out with Avant to consolidate some of my credit card debt. However I decided I wanted to payoff the remaining balanced I owed of {$4500.00} with a lower interest credit card I had so I called Avant XXXX XXXX, XXXX at XXXX to payoff my personal loan with them. The representative gave me a quote and I told him I would be using my credit card to pay off the amount. He then asked why, and I told him because I have a lower interest rate on my credit card so I would like to pay the whole amount off with it. Then he put me on hold for a few minutes than got back on the line and said I ca n't pay it off with my credit card, I can only pay the monthly installment amount. While all this was occurring I was reading the contract I have with them and no where does it state that I ca n't payoff with a credit card. So I told the representative that it does n't state anywhere on the contract that I ca n't use my credit card to payoff. And he said he was aware that it does n't state it but he continuously refused to allow me to payoff my loan. He then sent me to another rep whom was his manager. And I repeatedly said it does not state anywhere on the contract that I can not pay my loan off with the credit card. And she said yes it does n't but we ca n't and she kept on apologizing. The whole conversation was worthless. She wanted to transfer me to resolution but I asked what are they going to do? Tell me the same thing? I 'll talk to my attorney. And she said yes, I apologized. So I told her I dont want to speak to them if they ca n't help. It just does n't make sense, they will be getting their money if I pay off but it seems when I mentioned I had a lower interest rate on my credit card they did n't want to accept them because they want to make money off the interest on the monthly installments.
04/18/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CO 80303	Web	Servicemember
I have a small personal loan to build my credit through Avant. I had a previous account with them and had no problems. On XX/XX/XXXX, I scheduled for them to take out a payment of {$1000.00}. They never took out the payment, and with moving a bunch of money around to pay my student loans I never noticed. My payment schedule on the website said that I did not owe a payment until XXXX of 2019. However, apparently this was taking into account the payment that was supposed to be taken out of my account. When they did not receive payment, they did not update my payment schedule to reflect that, so i was laboring under the impression that everything was fine. I am also set up on autopay to avoid any problems. On XX/XX/XXXX, I received an email stating that I owe a payment of {$.00}. I also received emails on XX/XX/XXXX and XX/XX/XXXX which all stated that I owe a payment of {$.00}. Obviously, I ignored them because they said that I owe XXXX dollars. However, on XX/XX/XXXX I received an email stating that I have a past due amount of {$180.00}. Now, obviously because the original payment of {$1000.00} was never actually taken out of my account, I do owe the money that they are charging me. However, I feel like I did my due diligence and that they are acting unethically. I scheduled a payment, as I was supposed to, and the money was in my bank. I never received any notification stating that they did not receive payment. I have my account set up on auto pay for all payments. My entire account shows that I do not owe money until XXXX. I spoke with someone on the phone, who basically said there was nothing she could do, I had to pay the amount, that it would be considered past-due ( obviously affecting my credit score ), and that even though my payment schedule is incorrect I still should have made the payment.
11/22/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 333XX	Web
Avant Double Billed me. They promised to take my payment that I payed early and apply it to my loan. I have used this pre-pay process in the past, with success. For some reason, this time they billed me. They used the payment I payed, along with the monthly draft. The second payment overdrew my account. There were 5 NSF fees for other charges that were outstanding. The bank would n't refund those moneys. The amounts however were payed since I have an agreement with the bank to pay if I have direct deposit and an overdraft in my savings. I called Avant to get a resolution. They promised me in 8 business days the money would be refunded to my account. Then a few more days went by. I did n't receive any information. I called repeatedly. Still, promised the money would be refunded so my NSF 's would be refunded by the bank. After 21 days have passed, I finally called and they said my request was rejected. I could n't object, or appeal to their refusal process. I was slightly disappointed. Nevertheless, I contacted my bank to alert them of the possibilities that this company may be taking money out of the accounts of the persons they do business with, without their knowledge or consent, or reversing mistakes that may have possibility happened as a result of their procedures, or as a result of electronic malfunction. Unfortunately, others should be made aware that their processes allow for these types of mistakes, which can result in many over draft charges, and other types of fees that a person may normally not expect. With the addition of these new fees as part of the responsibility of taking out a loan with XXXX, I thought it pertinent to share my experience with the BBB. Although they have an A+ Review, taking money out of a person 's account unexpectedly is the new norm. It 's unfortunate, but true.
02/23/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 33606	Web
Avant credit has been wrongly applying the extra payments I make every month to interest instead of principal. I am obligated to pay {$360.00} and have been paying {$100.00} a week instead. To date I have paid {$5800.00}. Avant has only applied {$2200.00} to principal. To further test their wrongful allocation of monies I am paying them from online bill pay through XXXX XXXX XXXX, I sent in a {$5.00} payment and in the comments put " principal only '' - they added this payment to interest XXXX % along with the next payment of {$210.00}. The {$5.00} payment was made on XXXX and the {$210.00} payment was made on XX/XX/XXXX The facts are simple. They agreed over the phone around XX/XX/XXXX ( they record all calls and the calls can be subpoenaed ) that any extra payments would be applied to principal. They are treating my principal reduction payments as though they are advance payments which they are not. There are no prepayment penalties. Avant 's deceptive allocation of principal payments have made it next to impossible for me to payoff my loan early as a responsible consumer. They have not clearly outlined in writing how a consumer can make principal only payments and by creating this breakage model, are effectively creating a prepayment penalty which the contract I signed expressly indicates that there is no prepayment penalty. Their deceptive payment allocation practices amount to constructively blocking a person 's ability to pay out their loan early thereby saving them interest as evidenced by the fact that even a payment labeled " principal only '' was put 100 % to interest. When you divide the interest applied ( {$3500.00} ) from the total amount paid ( {$5500.00} ) the effective interest rate I have paid is 60.9 %. My contract states that my APR is 35.94 %.
12/13/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	OH 458XX	Web
I have had a personal loan with Avant, LLC since XX/XX/XXXX. In the past, Avant was responsive to questions, requests, etc. In order to gain additional control over payment dates, I asked to be unenrolled from automatic payments, since this could not be done within Avant 's web interface. On XX/XX/XXXX, I notified Avant, LLC that I was revoking ACH authorization effective immediately and received a automatically generated message notifying me that I had opted out of automatic payments. On XX/XX/XXXX, however, Avant, LLC automatically processed my loan payment. I did not schedule this payment. In other words, the revocation of ACH authorization was not respected. I notified Avant of this on XX/XX/XXXX and did not receive a response of any sort until XX/XX/XXXX, which was to notify me that my inquiry had been escalated to the appropriate department. Later on XX/XX/XXXX, I received a message stating that Avant was not able to " ... substantiate your claim that you did not authorize the payment processed on XX/XX/XXXX. '' I continued to pursue the matter since I know with complete certainty that I did not schedule or authorize this payment. Eventually, Avant did offer to reimburse me for this payment which would, at this point, make my account late ( additional fees, etc. ). On XX/XX/XXXX, I received a message thanking me for my feedback and assuring me that they " treat all customer feedback as a learning experience. '' While possibly unintentional, Avant violated 12 CFR Part 1005 ( Regulation E ). As a consumer, I have the right to revoke ACH authorization and for that revocation to be respected. Avant, LLC did not do this and did not provide reasonable remediation within an acceptable time frame. Thank you in advance for your assistance with this matter.
12/04/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 92508	Web
Entire Problem : I was pre-approved for a loan with XXXX/Avant credit on XXXX/XXXX/2015. When I was pre-approved I was given a list of reasons why the terms I was given and a credit score disclosure. At the time the date of the credit bureau pull was XX/XX/2015. My credit score was XXXX. The company provided me loan documents and loan disclosures to move forward with the loan. However I wanted to review. I phoned into Avant on several occasions after XXXX and was told that the approval was good for 7 days. I just had to finish the documentation and sign the documents to receive funds. I was traveling and was not able to complete the application instantly. I went to sign on XXXX, and was still able to complete the process but my computer froze. I tried later that day and was then given a denial notice with the same information that I was approved for. The denial notice was the same as the Credit Bureau Disclosure Notice for Terms. I phoned in to the call center at Avant and spoke with a rude representative XXXX. I explained the situation and she was very rude and was not willing to assist in a solution. I asked to speak with her manager several times and she told me her manager would not be able to help and tell me the same thing. I continued to ask to speak with a manager and she denied me several times until I was transferred to XXXX. XXXX was not very pleasant to speak and I ended up having to speak with XXXX the Section Manager. I explained my concerns and he told me he could not assist me that the compliance department would respond and they are only reachable by email. I explained that your company mislead me and that the reasons for denial were false and not accurate. You once approved my loan with the same information you were denying me on.
09/20/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	IN XXXXX	Web
When i first established this loan, i requested to have it taken from a certain bank account and was denied. So, when the payment was returned on XXXX XXXX 2015, from a hardly used bank account, i called and was finally given permission to change the bank account on my loan. The lender charged me the {$15.00} NSF and withdrew the loan amount from the correct bank account on XXXX XXXX, 2015. I made my regular loan pymt on XXXX XXXX, 2015. Because the lender does not issues statements nor send out email statements, I had to go to the website to see what my balance was. Their website does not display the balance either. There is no way you can find out the balance on your account unless you call the lender. While looking at the breakdown of my last XXXX payments, I saw that they lender had taken the entire {$380.00}, totaling {$770.00}, and applied it straight towards the principal. When i contacted to lender to ask them why, I was told that, because my payment was returned in XXXX, I had to " catch up '' on the interest for that month and basically pay the interest in advance for XXXX as well. I explained to the rep that there was no " catch up '' interest clause in my contract being that I had made the payment in XXXX as I was suppose to and that I did not see what XXXX had to do with XXXX. I then requested to have monthly statements either mailed or emailed to me so that I could have a record of both my payments and my balance because it did not seem to be moving. The rep informed me that the company does not give statements. I asked her how could a consumer keep track of their balance/payments if nothing was offered to show them what was going on with their account? She sent me a break down of my last payment. That was it.
12/15/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CT 06320	Web
I applied for and was approved for a loan with Avant Credit, issued by XXXX on or around XXXX of this year. At time of application/approval, terms such as high interest rate of 35.94 % were not disclosed. Rate was learned about after reviewing terms on company web-site recently, it did not show previously. Had I known about such a high rate, I would not have applied. I borrowed XXXX and will be paying more than double that at end of 60 month term, this is ridiculously high. After doing some research, it appears Avant charges everyone the same flat rate, regardless of credit score/worthiness. My score at time of application was in the mid to high XXXX range and my rate should not be so high, there seems to be something shady going on here. A number of XXXX reviews show a large number of negative reviews about Avant, most about high interest rate. I spoke with a XXXX XXXX at Avant and was not able to resolve matter, he defended the rate and claimed to have screen shots showing terms, rate, etc. There is no way he can show/prove what was shown to me on my end/my computer screen, at time of application. This is XXXX of several complaints filed, previous complaints were referred to FDIC, Avant stated they received a similar complaint from them as well and replied. I have received no reply from FDIC in regard to this matter. If AvantXXXX thinks I will pay over XXXX in interest, more than the loan principle, they are sadly mistaken. In closing, please advise Avant/XXXX that they will not see anymore payments until rate is lowered. XXXX XXXX as well as another Avant rep have also been advised the same. Their address is XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, UT XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX
04/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MN 553XX	Web
I applied and received a loan from Avant on XX/XX/2015 for the principal amount of {$9000.00}. During the course of the loan, I failed to make payments for nearly a year. Afterwards, I brought the account current, and have kept the loan current for the past 14 months. I have paid all additional interest, late fees and other charges as outlined in the agreement. for the past 8 months I have been requesting an updated amortization table that outlines the additional interest I will be paying due to my late payments, the total cost of the loan and the last payment date. Initially, Avant responded with an " updated '' schedule. After review I found it to be incorrect, and it was blatantly obvious they filled in random amounts. I responded asking them to fix it - to which they replied, some time later, with the same table, which was still incorrect. More time went by and a new representative provided me with a new table, but it was still incorrect! As 3 or so months had gone by at this point I demanded to be provided with the information of my loan in its current status. For all I know, they are charging me unlawful interest, penalties, etc that I would never know about! After reviewing payments in their online system, the payments over the last 14 months or so have been 100 % interest, and not a penny has gone to principal. How am I supposed to know where my payments are going if they can't provide this information? Finally, another 3 months had passed without any contact from them, despite me emailing constantly asking for a resolution. Yesterday, they responded saying that they are unable to provide this information to me - how can that be legal?!? I am attaching all emails, and documents they have provided me.
10/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CT XXXXX	Web
A loan with Avant Credit was sold to XXXX XXXX according to a recent credit report, XXXX XXXX is owned by XXXX XXXX XXXX, separate complaint was submitted against this company as well via CFPB portal. As stated in prior complaints, the terms such as rate were not disclosed at time of loan approval. Avant claims I chose the loan amount and terms were disclosed which they were not and the amount, {$6800.00}, was the only amount offered to me at the time and needless to say, I did not choose it as there was no other option available. I later learned of the terms such as high interest rate when a contract was emailed to me after approval and payments were made which have since ceased. Avant claims to have proof of disclosure such as screen shots, none of which they have shown and I believe to be entirely bogus. Numerous negative reviews on XXXX and other consumer rating sites reveal the same high interest rate is charged to everyone whom is approved, regardless of credit score. It appears Avant is still reporting the account as 180 days late despite it sold to XXXX XXXX and last payment made in XXXX, which is well past 180 days and is an attempt to get me to pay which will not happen. Their last reply to prior CFPB complaint requested me to call customer service for payment options which will not happen as again, it was sold off and I did not agree to terms of loan, there are no documents with my signature agreeing to anything. This account is scheduled to remain on file until XXXX, please advise Avant they need to agree to lower interest rate and remove interest charged since last payment made if they wish to see any payments. If not, the account will eventually fall off credit file and Avant will see no payment ( s ).
02/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA XXXXX	Web	Servicemember
Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX '' and I, informed Avant of our finicial hardship. We ask Avant to work with us and informed XXXX of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need Avant to work out new repayment terms. We were unable to to Pay the Current excessive interest rate on our loan and we were unable to Pay current excessive monthly payment.. I was incouraged to reach out to all lenders to work out to Avant to work out a fair affordable repayment plan prior to Chapter XXXX bankruptcy. I also let Avant know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate and loan origination fees. Avant has also threatened to sue me and refused to work with me. Avant refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms. Avant is refusing to work out an affordable repayment plan so I can avoid XXXX XXXX Bankrupsy by lowering my interestrate and montly payments. I feel taken advantage of by Avant I feel Avant took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive interest rate and loan origination fee 's on my loan and with excessive montly payments on a {$2500.00} loan. Unfair lendin I was never sent a default letter my email nor by mail, Avant is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan. Loan # XXXX
09/09/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CT XXXXX	Web
Avant is reporting my loan account balance with them at {$16.00}, according to XXXX XXXX. This account was opened in 2015, payments were made and ceased due to disagreement over interest rate and the fact Avant did not take into account my credit score when calculating this rate. Numerous negative reviews on XXXX and other consumer review sites reveal Avant does not take into account credit score when granting loans. It appears Avant has not closed my account and instead has left it open and kept charging interest and fees when they have not agreed to adjust interest rate according to my credit score at time of account opening. The original loan amount is {$6800.00} and they are now reporting it at {$16000.00}, they are adding on fees and interest which will not be paid and they are doing this in order to place a burden on my credit score and history. Previously, I attempted to resolve issue of interest rate directly with a XXXX XXXX at Avant as well as XXXX XXXX with XXXX XXXX, the bank whom issued the loan, Avant services the loan. XXXX XXXX defended the high interest rate of 23 %, I believe it is, he would not adjust it and or offer any remedy, I attempted to reach XXXX XXXX, my calls were blocked from the number I called from and I had to use a different number, when I reached a rep I was told XXXX XXXX does not accept calls. Instead of charging off the loan, Avant continues to add on fees and interest and has kept my account open since payments stopped in 2015, in an attempt to burden my credit score and file as mentioned prior, as well as attempt to collect payment. I will contact an attorney about this issue to see if what Avant is doing is legal or not. I request Avant to close account at this time.
11/11/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	GA 30096	Web
my name is XXXX XXXX, on XX/XX/2020 i was approved for a line of credit with avant llc ( avant credit card ) address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX illinois il XXXX. I received a email advising me the card was on its way and in 10 days it would arrive, i called after the 10 days and then was told it would take 15days. after XXXX XXXX i contacted customer service # XXXX and was informed a new card would be sent out, and would take 15days. after XX/XX/2020 i called again. and they informed me they would escalate my file and issue a 3rd card out. this is ridiculous to say the least. i ve gotten emails from XXXX, privacy dept of avant.com etc because i expressed concern that the XXXX annual fee billing statement was sent to me mid - XXXX requested a XXXX payment on XXXX. i have had timeless dialogue with avant. and informed them none of the 2 prior cards arrived or has been activated. they told me i wouldnt have to pay the annual fee unless the card was activated & used, however they placed it on my credit report as a balance on a card i dont even have!! i requested the card cancelled and removed from my trade line completely. month to date i get the run around. i need help. web bank / # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX utah XXXX is the issuer of card that was supposed to be dispersed from nebraska. i totally frustrated with the lack of progress and many 15 day excuses, .my credit score has been lowered by 61points because of this bogis card apparently and no one has the answer as to if the card will ever come, or how the company will repair the damage to my report for a card i have never received. please assist me month to date the problem is still ongoing,. XXXX XXXX XXXX
10/23/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	AR 72712	Web
On XXXX XXXX, XXXX we decided to look into refinancing our current loan with Avant. We contacted the company via their website and phone and initiated the process to refinance. During the process a hard inquiry was performed on our credit. The terms were then supplied to us via the website. The process continues after you accept the loan amount and terms/rates. We accepted the refinance of the XXXX minus a roughly 200 $ administration fee. We were to receive roughly 2600 $ at a 35 % rate. We accepted and started using their website to finalize the information they require. Bank statements, pay stubs, personal information, etc. One of the processes is to " Link your bank account '' which allows the to pull the statements, etc directly. However due to security issues our bank would not allow the connection as it was considered insecure and potentially dangerous. We resolved this by uploading bank statements and pay stubs manually. We spoke with several people regarding the inability to link our bank account and they stated it would not affect the loan. On XXXX XXXX, XXXX we received an email to contact them in regards to further information required. We called in and they verified the information and proceeded with the processing. We logged in to check the status and our loan had been dropped by XXXX . This is after we accepted the terms of XXXX . I sent an email to question this activity and received no explanation. Instead they pushed a denial email to my account and refused the loan. After researching the company we have found numerous cases were they change your account and fixed loans without telling you. I find this a fraudulent practice and would like the hard inquiry removed from my credit report.
06/28/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	IL 601XX	Web	Servicemember
First let me say I 'm a member of the Armed Forces for this great country & take a huge pride in protecting it but I 'm totally against people being taken advantage of. I obtained a loan through this company & made payments on time. Shortly after I spoke with customer service & asked if i made a large payment could it be forwarded to future payments so I would n't have a payment due for about a year, they informed me that this was okay for me to do so I made the large payment. About a week after making the payment I checked my account status online & yes it stated that I indeed do n't have a payment for a year. 6 months down the road I get a notice about a payment being due so I called in & explain the arrangements that were made & they told me that it was a mistake & payment was now due. Of course I 'm furious, the rep advised me that they would escalate the issue & someone would call me back. I even had the rep look into my payment schedule & he agreed that he didnt know why i have a payment due when the online payment schedule even states that its not due for another 6 months. When a higher up called me they informed me that my payment was past due & a mistake had been made, i even looked online & behold they had changed that status to reflect that my payment was now due instead of the aformentioned 6 months. I 'm on a fixed income & ca n't afford to be swindled out of my hard earned money. This company has even reported negative marks on my credit report. I want this bad report removed from my credit profile. I 'm already considering contacting the local media about this issue in addition to letting all my family, friends, & co workers know what kind of business practices Avant is in to!
12/08/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 38053	Web	Servicemember
On line loan.. Every time I log into the website onto my dashboard, I would receive an email of adverse action stating that I applied for a loan on that date, the date i visited my dashboard, and that they were not able to refinance my loan, this has happened more than 3 times, at no time did I ask to refinance my loan, I did not give them permission to pull my credit report, this alone is a violation on their part, I still have the emails of adverse action in my computer, after checking for complaints with the XXXX I have found that I am not the only one who has experienced this. On top of this Avant holds all documentation, consumers are not emailed the documents concerning their loans ... interest is compounded DAILY ... There are deceptive and unethical acts practiced by this company. Every time I complain to the " customer representative '' about what happens when I visit my dashboard I get the response that it will be reported to their IT Department, do they even have an IT Dept?. No attempt to correct this is made on their part, all one has to do is just log in to their dashboard and this will happen as soon as one logs out. This company signs your name electronically to do this, They still have to have your permission to sign electronically, this is yet another violation. This is done even when you need to change your payment date and they talk so fast so that you can not understand what is being said even when you ask them to repeat it they again will talk fast that it sounds like words are jumbled together, this is deception. The times I talked to any representatives, this would be the reaction i would get. I am looking and will be pushing this into further action.
05/12/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32822	Web	Servicemember
I responded to a pre-approved offer and while submitting information, they asked for not just my bank account number but its password so they could " link '' the accounts. I became concerned and stopped doing the application. i went to XXXX to research them and read many negative reviews. I did not complete the application. i went back to the website to try to cancel or close it out but it said unavailable and was unavailable the rest of the night. The application was about half way completed. in the morning I received an email saying I needed to complete the application today and funds could be in account by tomorrow. It also stated " by finishing your application you 'll enjoy ... '' My intent was to apply for a {$300.00} loan to buy dirt for an above ground pool i had purchased. i never answered the email. I called my bank today to ensure my paycheck was deposited and noticed a deposit for {$2300.00}. I called and tracked it down to XXXX XXXX and then to Avant Bank. I called them and they told me I could return the money but would still owe a {$90.00} + fee. I told them I never completed the application and they insisted I did. I did not and would not. I am having my bank reject the deposit. I told Avant I do not authorize them to touch my bank account in any manner and to remove my bank account information from their records. They said they were unable to do that and that " they would n't do anything ''. The Avant person kept then trying to discuss how I intended on paying the $ 90+ fee. I did not ask for this money, I did not complete an application and I do not want their mo ney. It is a total scam, just as the reviews you can find all over XXXX .
04/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92102	Web	Servicemember
I called Avant to request a lower my 29.94 APR but the rep said the only way I can receive a lower APR is if I would agree to borrow an additional {$1000.00}. I feel as though I am being ambushed without any way to get from under this loan quicker. I am a veteran and live on a limited income. I need help getting my APR lowered so I can pay this loan off sooner because they are gouging me with all their fees. I have an amazing payment history which has been on time and I don't know why they can't lower my APR. I feel as though the fees should hlf the amount they are charging. See below : FEDERAL TRUTH IN LENDING ACT ( " TILA '' ) DISCLOSURES ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 29.94 % FINANCE CHARGE The dollar amount the credit will cost you. {$2800.00} Amount Financed The amount of credit provided to you or on your behalf. {$5300.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. {$8100.00} Payment Schedule : You must make 35 monthly payments of {$220.00}, with the first payment due on Friday, XX/XX/XXXX, and each subsequent payment due on the same day of each month thereafter, and a final payment of {$220.00} plus any unpaid fees, charges, and interest due on Friday, XX/XX/XXXX. Security : Your Payment Authorization as set forth in Section 3 ( b ) of this Note secures repayment. Late Fee : If a payment is not paid in full within 10 days after its due date, you will be charged {$25.00}. Prepayment : If you pay off early, either in full or partially, you will not have to pay a penalty and you will not be entitled to a refund of part of the finance charge.
11/28/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MI 48309	Web
I was approved for a {$5200.00} loan after submitting my bank statements and proof of income. I signed the online agreement and received my terms ( I had originally requested {$6500.00} but lowered the amount during the approval process ) .Then, citing a system glitch, I was asked to resign the online agreement, which I did, and the following day received confirmation the loan was approved. However, this loan was for the difference of the original amount requested ( {$6500.00} ) and the first approved amount ( {$5200.00} ) and {$1300.00} was what I received. I have all the paperwork proving they approved {$5200.00} and the payment schedule was set. I contacted Avant regarding the error and asked them to correct the mistake. I was told the original loan documents were sent in error and, upon review of my account, they can not approve {$5200.00}. While I understand terms and conditions may change during the approval process, my terms were changed AFTER approval and an agreement between the company and myself was signed for the agreed upon amount of {$5200.00}. The approval document for {$5200.00} was issued AFTER review and confirmation of my employment, income and credit history, not before, so any claim of an error that resulted in a review of my account finding me unworthy of approval is questionable, if not outright deceptive. I believe an error was made, however, I believe it was human error. Instead of acknowledging this, a " system glitch '' was cited rendering the original contract for {$5200.00} invalid and now the company will not rectify the situation to provide the funds originally promised.
02/01/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 088XX	Web
Avant LLC is reporting five ( 13 ) missed or late payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with Avant on multiple occasions including phone, email and certified mail. Avant has failed to respond to direct disputes and fell short of doing thorough investigations when asked to by the CRAs. Its completely unsatisfactory that these mid to large companies violate FCRA violations such as notices informing consumers they are reporting negative information -- every consumer does not review their credit monthly. In my case, I went nearly a year and half until I noticed the negative reporting by this time there has been instrumental damage to my credit worthiness. What is equally alarming, when the CRAs fail to conduct a independent investigations and the outcomes turn out to be " certified '' without surveilling the full scope. After disputing the reporting, there has been multiple times where Avant has not left a " dispute remark '' on my profile which I have attached documents validating this incompliance. I've exhausted all options at this point with both Avant and all three ( 3 ) CRAs to no available. Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR 1022.43 - Direct disputes Tracking numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/06/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	OK 73099	Web
Called in on XX/XX/2020 to Avant Credit Card customer service asking to get my pay off balance. I was informed the pay off was XXXX ( which was the same balance on my phone app ). I hung up went on the app and paid my balance in full. Then on XXXX I was checking to make sure my payment ( that had already cleared my bank ) was posted and that my availability was back to to credit limit. Upon signing in there was a payment of XXXX on my account and the payment was still not reflected. I called and spoke to customer service and they could not explain things so I asked for a supervisor. A supervisor named XXXX? Called me and stated that my payment posted on XX/XX/XXXX but, interest was generated on XX/XX/XXXX. I explained that because I paid it off there was no balance to charge interest on. I also asked why the balance was not reflecting my payment even tho its cleared the bank and she can see it was received. She said they hold it 10-15 days to make sure its cleared. I told her that is not right and I do not feel Im responsible because I think they are drawing this out for the companys benefit. I asked for someone above her and she told me there was no one above her. I said so youre the top person at Avant? She said no just of this department. I asked who else I could talk to ... she said you want to escalate this and I said yes. She then typed an email and told me it would be 15 days before I could hear from them. I told her that in the mean time I would be filing a complaint with consumer finance ... the response I received was ok Any questions please call XXXX
12/04/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 77304	Web
On Monday of this week, I logged on to Avantcredit.com. The website said I could check my rate and loan amount without effecting my credit. I answered the questions and was pre-approved for a large dollar loan. I was only needing {$2500.00} and not the huge loan amount that was pre-approved. After three days, my loan still had not been approved. I called their customer service and was told they needed to verify my employment. Each day I would call and received the same response, waiting to verify employment. On the 4th day after calling and letting them know I had filed a complaint with the XXXX, they denied my loan. I believe this may have been retaliation?? Avant is a sub prime lender with extremely high interest rates. It 's pretty hard to be denied a loan by these type of finance companies. I have also had a loan with this company in the past and paid the loan off well before the final payment. This company is very misleading when they state you are pre approved for a loan up to a certain dollar amount. It does not say anything about based on additional credit criteria after applying for the loan. It also stated my credit would not be effected when applying??? Not so sure abut this yet. It will take a few weeks to show up on my credit report. My other complaint about this company is that they ask for your user ID and password to your personal checking account. I was extremely uncomfortable providing this information. They claim the information will be kept secure. Based on my experience with this company, I do n't think anything is secure with them.
07/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AZ 859XX	Web	Older American, Servicemember
This is the second time I am complaining about a company who has victimized me and made false statements to the Credit bureau that I have 30,60,90,120 days late on payments when I have not been late but once last year due to a medical hardship which was only one month which I made an additional payment of. The company, Avant , Inc, has abused my civil rights by constantly causing a drop in my credit score which I have worked very hard on for the past 7 months so I can buy a home. In XX/XX/XXXX I took a loan of {$1300.00} from them and continued making {$59.00} payments and they continue changing their policies and now say I owe them {$1000.00}. This has been going on for 2 years of payments and abuse from them. I am contacting the Attorney General in my state as well as a Senior Legal Firm next week. On XX/XX/XXXX I called them to make a payment and was told my account was in collections because I did not pay XX/XX/XXXX and XX/XX/XXXX payments on the XXXX of the month. My payments were made on the XXXX of the month from XX/XX/XXXX arrangements with Avant, but was refused the payments as legit and told early payments do not count. This is the kind of games they have played since the beginning of the online contract. Every time I call them, a foreigner with a XXXX accent tells me a new thing about the account and keeps me so confused I do n't know what they are doing other than victimizing me and scamming me for more money, and as far as I know they are not a payday loan company and do not advertise as one. I need help to solve this outrageous scam.
03/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92571	Web
On XX/XX/2020 I sent written communication to Avant dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received NO written communication from Avant. they did NOT meet the requirements of FCRA 623/FACTA 312. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Avant communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Avant to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. Avant provided none of the above. Avant continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Avant has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, on XX/XX/2020 I sent a second written communication to Avant dated XX/XX/2020, requesting the same information with same results of NO written response. The above illegalities were committed via USPS mail.
04/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46052	Web
I have tried paying this account ever since I first opened it in XXXX of 2018. Every time I have tried to pay it online, I end up getting an email saying oops something went wrong and Avant reverses the payment I tried to make. I have contacted Avant several times at the beginning and they told me they have no idea why they couldnt process the payment and to contact my bank. My bank informs me there has never been a request for payment from Avant. After arguing with Avant for some time, they came up with the excuse that I have a stop payment in place preventing them from drawing funds. I contacted my bank and they told me this is not the case and theres no stop payment in place and they have NEVER received a request for payment. Avant refuses to accept fault and has ruined my credit over it. I have even sent them the chat messages between my bank and I. They refuse to accept any amount less than the balance with all sorts of frivolous fees theyve added on due to them refusing to accept my payment. I have tried for some time to resolve this with them and it seems as if theyre practicing fraudulent lending by refusing to accept my payment ( all the way from the begginning of me opening the account ) and racking on late fees they refuse to remove as well. This shouldve never been reported late to the credit bureaus and wouldnt have been delinquent if Avant couldve figured out their issues, accepted fault, and stopped trying to blame it on everybody else. This is by far the absolute worst company Ive ever dealt with.
07/11/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 14043	Web
Im a resident of NYS. Per NYS laws, personal loan institutions are not allowed to charge more than 16 % interest per annum. On or about XX/XX/19, I was having financial problems and applied for a loan through XXXX XXXX. Avant offered me a loan of {$10000.00} ( ID # XXXX ) payable in 24 installments automatically deducted from my bank account for {$570.00}. Approximately {$500.00} was kept by Avant and I received around {$10000.00} of the {$10000.00} loan. After making a few payments, I noticed that my principle wasnt going down. On Thursday, XX/XX/XXXX, I called Avant and asked for my interest rate and my daily percentage rate. I was told that my interest rate is 32.95 % and my DPR is .07569863. Neither of those rates include the approx. {$500.00} kept by Avant. When applying for the loan, I wasnt told there would be a DPR or that the {$500.00} they kept wasnt included in the interest rate. I also wasnt aware that NYS limits the amount of interest that can be charged and possible criminal usury laws. It may have been in the fine print but the loan contract was so long and small print and difficult to read and I can not find a copy of the original contract on my online account. I believe in addition to violating NYS laws, Avant is also using predatory lending practices and targeting individuals who are in financial distress. As a XXXX XXXX woman, I am also a minority. I havent missed a single payment. I believe Ive made 8 payments and most of those payments have gone towards interest, not principle.
10/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AZ 85042	Web
I received a loan XX/XX/2019 in the amount of {$10000.00} and the amount financed is {$10000.00}. I realized what the interest rate is on the loan and decided to cancel the same day. I called the customer service number and was advised I needed to call before XXXX XXXX Central time in order to cancel. I called XXXX MST. I have searched The website and no where does it mention you have to call before a certain time, the same day in order to cancel. Per your website If your loan has already been funded and you would like to return the funds, you can do so at any time with no prepayment penalties by scheduling a full payoff on your dashboard. Please be aware you will be responsible for interest that accrues on the outstanding principal balance as of the funding date listed on your loan agreement. Per my documents the funding date shows to be XXXX XXXX. I have spoken with different representatives and managers and no one has been able to assist with a resolution which I have been advised that I would have one by XX/XX/2019 which is todays date. I sent all of the funds that were received back as soon as they hit my account which was XX/XX/2019 but I still have the administration fee. Today is the first time that anyone has even provided an email to reach out.I am requesting that funds that are still showing owed, The amount of {$490.00} is waived due to being misinformed and lack of information about the cancellation. Please respond as soon as possible.
09/12/2016	Yes	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	TX 75287	Web
I contacted Avant on XXXX XXXX asking if I could make my payment on XXXX XXXX because I incidentally made two payments one month which put me ahead in terms of paying them. They replied back saying, Thank you for your email and we apologize for any trouble. We have received your request and have forwarded it to the appropriate channel. If you have any questions in the meantime, do n't hesitate to reply to this email or give us a call at XXXX. We appreciate your patience while we work to resolve this! On XXXX XXXX I noticed on my bank statement that they withdrew the XXXX even though I asked to numerous time if the double payment could suffice for the XXXX XXXX payment and my regular payments resume on XXXX XXXX. I noticed when I checked my contract that they did indeed accept my double payment but as yet have did nothing in terms of resolving this issue of the double payment. Please see the attached correspondence written to the creditor requesting clarification. Please note that the original loan was taken out XXXX 2015 in the amount of {$1300.00}. Since that time, I have paid to the credit the amount of {$990.00}. Please note that this loan still carries a balance of almost {$1300.00}. Which is ridiculous considering that I have paid all but XXXX of the original loan amount of XXXX. Their lending was deceptive and the interest and fees are simply legalized loan sharking and preys on individuals that need to seek out alternative lending options.
09/12/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 383XX	Web
The company encourage me and others to enter into a deferment plan when the Covid19 pandemic initially hit. Every time we logged in to the website, there was all sorts of information about how they could help relief during this time if you were laid off, place of employment shutdown, etc. The representative told me that my 3 payments would be due at the end of the loan and that payments and interest would be deferred. He explained that He explained that there would still be interest, but it would be deferred like the payment. The website also made that seem very easy. I was happy because my business had to shutdown and it took a burden off for a while. My XXXX, XXXX and XXXX payments were deferred. I did not have to start back making payments until XXXX. However, they really did not help me. When I started making payments in XXXX ; every dollar of my XXXX and XXXX payment went towards interest ; all {$800.00}. The last payment I made before Covid19 hit was in XXXX and only {$170.00} of the payment was interest. I feel that this company used the pandemic to capitalize on consumers by misleading them in order to get more money in interest. They really did not help me during this time because now I actually owe more money than I would if I had just scuffled and tried to continue to make the payment. They used misleading tactics and actually encouraged consumes to utilize their forbearance plan in order to charge more interest.
05/13/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29485	Web	Servicemember
I took out an installment loan from Avant Credit. I paid all of my payments and thought after the final payment was made that my account was paid in full. Two years have passed since my last payment was made and I pulled my credit to review what was on there and clean up any necessary accounts. I noticed that Avant was still on my credit as an open account and accruing interest. After my final payment was made ( in which they were automatically drafted from my account ), I never heard from Avant again. I reached out to Avant by phone on XXXX XXXX, XXXX and was told there was nothing they could do that I would need to email the dispute department, which I did that same day. On XXXX XXXX, XXXX, I received an email back stating that I had a very minimal balance on my account after the final payment was made because I moved a scheduled payment so that has been accruing interest ... ..since XXXX XXXX, XXXX. I responded once again on XXXX XXXX explaining that I was disputing the fact that I was accruing interest on a balance that I did not know existed and would have known existed had I not pulled my credit report and reached out to them. Today, XXXX XXXX, XXXX, I received an email from Avant again stating the same thing that there was a balance and has continued to accrue interest. I responded and told them once again I did not know there was a balance and since they did not tell me, that is why the balance remained unpaid.
04/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92691	Web
I applied for a loan on XX/XX/XXXX. I was told that I was pre-approved for a loan of {$10000.00} & I just need to upload the necessary documents.. I uploaded paystubs, bank statements, give 3 way party verification to another party so they can verify this information which they did. On Wednesday, I was called and asked if I could provide 2 additional paystubs, which I did. Then I was asked if could upload 2 months bank statements which I did on XX/XX/18, I never got word again. I went online to the site on XX/XX/18 and it said my application was closed out. I called and said I never received any information on my loan application after I gave all my personal information. They said they emailed me, but I never received an email from them. The would not tell me why it was declined. I work in lending, & this is not how you " Adverse Action '' a customer. Now what I want to know, after giving them all the information that they requested in the form of paystubs from my employer ( which is direct deposit, bank statements with XXXX & 3rd party verification, along with Social Security # & other personal information, how did they come to this determination. Why are the collecting this data in the first place if they are going to decline a customer. 3rd ) What are the reasons. 1 ) It can't be credit & 2 ) It can't be income & 3 ) It cant be documentation. So what kind of scam is this company running. I want answers
08/06/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 90631	Web
Hello, I applied for a Loan with Avant Approx XX/XX/2018, it was for XXXX. Avant collected all of my Information, bank statements, Income Verification, Etc. I have used Avant previously with 2 different Loans totaling {$8700.00} and successfully paid back in less than a year on both loans, I have a 100 % excellent payback history with Avant. Avant Mis-Informed me about Reapplying & the affects to my Credit Report. My complaint is that after my loan application for {$10000.00} was denied, I called to Inquire, Avant Customer Service Reps told me that wait ( 30 ) days & apply again either by phone or log into my account & follow instructions on my account page, I did exactly what they told me to do BUT they MISLED me because when I logged into my account 30 days later, Avant sent me a text with another denial? I called inquiring about this text message of denial, The Customer Service Rep told me I applied for another loan too soon, I DID NOT apply again for another loan, all I did was Log into my account, NOW the CSR said I would have to wait another 30 days from XX/XX/XXXX. My Complaint is that Avant MISLED me to wait 30 days, Call Back or Log Into my Account 30 days after original application, I Followed their protocol & was MISLED again & denied to Apply within 30 days, which IMPACTS my credit score because I will now have another Hard Inquiry & I will possibly have a denial from another Loan Source
02/28/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	PA 19149	Web
I took a loan from avant it has a problem on the start i told them to take automatic payment on my savings and they took it out on my savings they told me to call the bank but its not fix so i just decided to fix it by just paying the fee so it will be no problem since nobody claims the mistake. After that i pay it myself i cancel the automatic payment. So i paid XX/XX/XXXX no problem and i paid XXXX in XXXX no problem and by the end of XXXX i made another payment for XXXX. After that i kept on getting email that my XXXX payment is due and i called Avant to fix it because i made a payment already and they told me just ignore it and a week i received another email that XXXX payment is due i called Avant again and they told me ignore it because i made they payment already and i told them make a note because i dont want to get charged by a late fee. Now it happens they charging me {$38.00} something for a fee that i dont know anything about it and even though them they cant figure it out. This is not fair and this look an overcharged on what they doing and its not fair. For 3 months no late fees and now they will charged me. I spoke to Supervisor name XXXX she dont even know anything about it. I hope that those people that have account with them to check their account before making a payment. {$38.00} is alot of money and they will get it for just like that. Please help me on this matter. Thank you
05/13/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 21702	Web
There are several issues which i have documented. Firstly, the amount I was charged was incorrect. Second I tried to pay numerous times over the phone and could not. I was hung up on and the line was disconnected. Since then the rates and terms have changed monthly. I was offered a better rate and took it and was charged MORE. It took 6 months for anyone to respond or get back to me. I have had to file XXXX XXXX complaints in order to get a response. I was given credit for fees and then they were rescinded. I was told they have been applying my payments incorrectly and added MORE to my account. I have had it for two years and made my payments regularly ( when they would answer the phone or accept them. They wouldnt take mail checks ). I recently tried to call to pay again last month and was told that my account was being researched and she couldnt accept payment. Every month I receive an email statement and mail paper statement. They never match and the money amount owed is always different.I recenely recieved an email stating i owed more because they had made a mistake, it makes no sense. No one fixes things and the terms are not what I agreed to nor am I being contacted when they change. They are just adding illegal fees for their mistakes and lying when i call to ignore. I called the back who believes they are committing fraud and stopped them from taking monies from my account.
07/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	ME 049XX	Web
In XXXX of 2019 I went to pay my bill online at Avant.com. The website stated my current amount due was {$0.00} so I called Avant and asked if this was correct. They stated it was and said they would send my account to another department to verify this was correct. I waited another week with no response from Avant and decided to follow up to see the status of my XXXX payment. I spoke with another representative from Avant who informed me that everything was fine and my next payment is due in XXXX. XXXX rolls around and Im a month behind and now owe 2 payments. I called Avant back and they assured me everything was fine and their investigations department was fixing the month behind payment. This goes on for three months until XXXX and then they decided to take two payments at once and overdrafted my checking account. I still have not received my overdraft fee back from them and have recently refinanced this loan through a local bank. I was very upset with Avant, their mistake dropped my credit score by 50+ points and they will not resolve any issue or call me back or email me. I would like to have them remove any negative marks on my credit that they have put on it, we are in good standings and theres no reason for them to be on my credit report with negative marks. I shouldnt have to pay higher interest rates because of their mistakes. Thats not fair to me or other consumers.
06/05/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CO 80016	Web
Hello, On XXXX XXXX , 2017, I m ade a payment over the phone via debit card with Avant in the amount of {$3800.00}. On XXXX XXXX , 2017, I a ttempted another debit card payment, this time was to payoff the loan, the total at this time was around {$1800.00}. Avant rejected my payment and said they are not allowed to take a debit/credit card payment unless the account is seriously delinquent. On their website, I am unable to change my banking information on their website, nor am I able to make a payment. The company is REFUSING to accept a payment, and only did so once I was able to payoff the loan in effort to stretch this out and collect more interest which accrues daily. I 've asked them four more times to take my payment and they still refuse. I now requested they remove the interest that has accrued since XX/XX/XXXX and they advised they will review which takes up to 14 days. The same enforcement action the CFPB took against the student loan companies and payday loan companies is the same action I am requesting her e. Avant i s refusing to accept a method of payment, which they 've previously accepted, to accrue more interest on the payoff which is now more than 200 dollars and I will not be bullied into doing it! By refusing to take my payment, and not having alternate means by which to accept payment, they are causing financial harm to me, the consumer.
01/17/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 60624	Web
I have been a customer with Avant for a number of years. I have had a total of 3 loans with Avant and never had an NSF fee. I have never had such horrible customer service. I moved a payment from the XX/XX/XXXX to the XX/XX/XXXX thru their online system. On XX/XX/XXXX a payment attempted to be withdrawn from my bank account. I have received a $ XXXXfee from my bank as well as a $ XXXXfee from you. I call XX/XX/XXXX and spoke with a customer service rep, a manager and a section manager. I simply requested for the $ XXXXfee to be removed. Their customer service representative said I could not, I spoke with a manager by the name of XXXX who said she could not waive the fee, then I spoke with a section manager by the name of XXXX who stated the same. While waiting to speak to the section manager XXXX came on the line and stated " I'm going to need you to stop judging me ''. As I did state they have provided horrible customer service. Now I did schedule the payment well ahead of time thru your online portal and I was told " oh you just scheduled an additional payment not move your current payment ''. I attempted to be responsible and do the right thing by Avant but was unsuccessful. This caused overdraft with my bank freezing my account which made a {$2000.00} deposit be denied on my account. Not one person from Avant called I only found out because my deposit was rejected.
12/17/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 331XX	Web
I have a personal loan with Avant, LLC. I initially borrowed approximately {$3400.00}. See below. {$3600.00} LOAN ID # XXXX Initially I agreed to an auto debit via checking account. On or about XX/XX/2018 I was alerted by my bank that Avant attempted a double debit for the same amount twice. In all honesty I believed it was a mistake, so the bank declined the transaction. I was not aware of this at the time it happened. When I did become aware I contacted them and did a payment, I believe over the phone, not realizing that they do not credit you on the day you actually make the payment ( which was a Friday ) but the next business day. Which to my recollection was a holiday, so it had to wait until the following Tuesday. At that point they contend that I have now generated a late fee of {$25.00} On XX/XX/2018 I requested a complete payoff of this loan being that I am paying XXXX a month in interest. I was quoted XXXX Good through XX/XX/2018. On XX/XX/2018 Avant received a total of XXXX. I did not pay the XXXX because that was in dispute and customer service said that were going to ask for a waiver. Initially the waiver was denied as it was requested incorrectly by the cust rep, but later it was granted. Now Avant want an additional XXXX which I object too, had they not mishandled things this would not of occurred. I am requesting assistance on this matter.
09/25/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	OH 43016	Web
I have had several amounts since XXXX charged without my authorization on Avant credit card. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total {$180.00} Fees {$50.00} plus interest For XXXX transactions I was told I would have to pay in order for the charges to not show delinquent on my credit report and I will be reimbursed after investigation. No investigation ever occurred. I paid in order to not have this show on my credit. I since have never used this account once due to the lack of follow up and horrible service and secondly because I never recieved a replacement card for the cancellation of the first card. For XXXX I was so upset I refused to pay again for more and more expensive purchases that were not mine. I was told no worries and someone would call me back within 2-5 days to resolve. I did not pay awaiting a call that now 2 and half weeks later I still have no call from them and they still have done nothing to resolve. The company has since charged late fees and interest but said no payment will need to be made until dispute is finalized. Has not responded to any inquiries since XXXX. Has continued to transfer to outside 3rd party fraud company who has none of my information on file. I asked for account to be closed because of all of this. This company communication is horrible and Avant financial is completely fraudulent.
11/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	FL 337XX	Web	Older American
I applied for credit card with Avant and was approved online. To send my card they wanted a photo of my drivers license, verify my phone number and email. I submitted all the requested information and then was prompted to 'take a selfie '. I was having trouble taking the selfie and called the company to express my frustratihotoon. The representative I spoke to could not help me and ask if I wanted to close the application to which I replied NO I would figure out how to provide the requested information. I called back and got a different representative that was able to help me. Together we were able upload the requested information. As soon as I uploaded it I got an email from Avant that says I was declined. This was AFTER they said I was approved. I don't mind not getting the credit card but I am furious that they took ALL my personal information and did not give me the card. There was no reason for them to request my verification to make a decision about giving me the card. It is quite apparent that they 'changed ' their mind after receiving my photo ID, verified my phone number and email address AND got a photo of me by a selfie. None of that was needed to make a decision and I would only have sent that because they told me I was approved. What are they doing with personal information from people that do not have an account? This needs to be investigated.
08/27/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30506	Web
I obtained a loan through avant XXXX in XXXX 2015, in XXXX i refinanced the loan due to the extremely high interest rate of 59 %, XXXX paid the loan in full and i received confirmation from avant that they recd cks and that the loan was paid off. In the early part of XXXX of 2015, i started receiving harrassing emails and calls regarding an unpaid balance there of XXXX, i emailed them copies of the cleared checks in addition to my loan note copy stating the loan was paid in full. Avant 's compliance dept was handling the inquiry and that they were looking into it.. I received an email from them yesterday that stated they had found the problem, apparently do to an internal processing error my loan was removed from the paid in full list, the debited my account today for XXXX by a remote control check and after numerous calls to them today they stated that i would have to wait for my money until " the ck cleared ''. The debited my account for bill and grocery money that i needed to take care of my family. I offered to call bank on XXXX so that they could get confirmation that the money was debited.. '' That is not their policy they stated and avant complaince could not be reached by way of phone calls only emails. Please address this concern before anyone else has to go through this headache with a company that is supposed to help consumers not cause them duress..
07/29/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	AK 99515	Web
In XXXX 2017 I began a payment plan with XXXX XXXX XXXX. I notified Avant beforehand that I was going to be working with XXXX and all they said was that XXXX would need to send them a proposal. XXXX did send them a proposal and 6 months worth of payments. In XXXX of 2017 I got a notification that my credit score had dropped. I found out Avant had reported me being {$55.00} past due. I get no statements from this lender and had received no notification my account was ever past due. I downloaded their phone app and logged in and discovered they had been posting fees to my loan and only posting the payments to fees and interest for 6 months. When I called them I was told they stopped communications with me because I had a debit management plan. I reminded them it was not the same thing as bankruptcy and they had every right to be in contact with me and should have notified me of the past due amount and that they were posting fees to my account. I paid the loan off in full over the phone over the following weeks time. They caused my credit score to lower, they charged me excessive fees, and never once tried to notify me of the issue. Not by email, postal mail, phone, nothing. Customers have an expectation that if there is something wrong with their account they will be told about it. I should n't have had to find out via a credit report app on my phone.
08/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	DC 20008	Web
On XX/XX/XXXX XXXX I applied for a small personal loan {$2900.00}. I went through the pre-application and the hard inquiry. I provided online ID verification through their system. I tried to provide them access to my XXXX XXXX Bank information by logging in through their special login page. I ran into an issue wherein I was asked a cryptic question that is not one of my bank security questions. I was called by Avant the next morning and I filed an issue complaint with them about the bank login. I received three calls on the following 3 days. Each of these callers had no idea of my complaint. Finally I had to escalate it through a supervisor. I spoke to my bank to verify that this was not a question on my account. I missed a couple calls from Avant that were placed an odd times ; dinner and such. Then on the 7th day I received a email that my application had been cancelled. I called and spoke to a supervisor who quite rudely and shortly told me to reapply. When I said that I would still have the same issue she cut me off and said, " I already told you the only thing you can do is reapply. '' I ended the call. They had my intent to proceed and my complaint filed repeatedly and still they closed my application early and refused to revisit it. I can not reapply because the inquiry without the additional account has pushed down my score.
12/19/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 33460	Web
I have 2 issues with Avant Credit card accepting and processing payments. 1. I used my banks bill pay for a {$160.00} payment to Avant. The bank mailed a physical check that was processed by Avant on XX/XX/XXXX and the funds were removed from my bank account. I called Avant on XX/XX/XXXX and I was told the funds were received but would not reduce my available credit until XX/XX/XXXX. I payment made 2 weeks earlier using my same bans bill pay was received and processed in 2 days but because the next bill pay is {$160.00} they are holding it for 7 days. 2. My current balance on my Avant credit card is {$76.00}. I attempted to make this payment using the Avant website and it will not allow me to make the payment. The error is that the amount it too much. I called in 2 times and I was told by both Avant employees that I can only make a {$40.00} payment using the website or over the phone. I asked to speak with a supervisor and was told they would be unable to assist me. After asking a few times I did speak with a supervisor who was not sure why I could not make a full {$76.00} payment. This credit card company charges interest based on a daily balance. It appears they are refusing to accept full payments so they can collect more interest. Who knows how many people do not understand this and are taken advantage of by Avant.
06/07/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 21742	Web	Servicemember
OnXX/XX/2015, I took out a loan with Avant for {$1700.00} with APR at 35.96 %. Total amount to be repaid is {$2800.00} with the monthly payment being {$77.00}. I have made 42 Payments for a total of {$3000.00} over the last 36 months and I still owe {$260.00} on the loan. That is a total of {$3300.00} which is much higher than the amount originally defined in the loan terms. XXXX ( Where I reside ) state law states that there will be no interest rate higher than 24 %. Even though I reside in XXXX, there is one line in the fine print of the contract for this loan that states that " Except to the extent, if any, prohibited by applicable law, this Note and all controversies relating to this Note are governed by federal law and, to the extent state law applies, the law of the State of XXXX. ". Because of this line, they are allowed to set any interest rate they desire as XXXX has no ceiling for their APR legally. Even though the APR is high, I still owe more money than expected for some reason. We have attempted to work with the company several times but they WILL NOT offer any specific explanation of where the extra money we owe came from. The most they will say is that it is due to the " interest charges '' and if we want to stop accruing interest at a daily rate, we need to pay off the remaining amount of the loan ASAP.
02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76227	Web
I am working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they worked with Avant to settle the account on my behalf. In return, Avant negotiated the outstanding balance with XXXX XXXX and agreed to terms which they included on their letterhead. The agreement was that I would pay {$260.00} and that would settle my account. Since then, Avant has continued to negatively report the balance on my credit, stating that I still owe a past due amount. There is no indication that the balance was settled as agreed, instead they report that they charged off the account and I still owe a past due balance as of XX/XX/2020. I've disputed this reporting with all 3 bureaus multiple times and each time, they come back and state that Avant stated that the credit reporting is accurate and will remain unchanged. I just want my report to accurately reflect that I've settled the debt and do not owe it. I've sent the settlement letters and proof of payment to Avant to all 3 credit bureaus and they still continue to report that the tradeline will remain unchanged. I've worked hard to resolve this debt with them and they refuse to accurately update my credit report. XXXX is the most recent bureau to deny yet another dispute of this information even though they have the supporting documents to show that the balance was paid/settled as agreed.
09/19/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA XXXXX	Web
I ordered an item on XXXX on XX/XX/18 in the amount of {$58.00}. I did not receive the item so I contacted my credit card company Avant. I explained the situation and sent over the invoice when I filed the dispute. They said they would take care of it but that was the opposite of what they did! I tried calling 30 days after the dispute as I had not received anything in the mail or heard from anyone. They just told me they are still working on it to give them more time. I finally got a letter from XXXX in the investiagation department on XX/XX/18 asking for more information I sent her a copy of the invoice from XXXX. However, she would never answer her phone or return any of my phone calls. I called Avant customer service i spoke with the manager XXXX on XX/XX/18, XX/XX/18 and XX/XX/18 in which she sent a notification to XXXX and promise to follow up with me each conservation which she never did. I had to keep calling her and on XX/XX/18 I sent her another copy of the invoice from XXXX which she said she forwarded it to XXXX again with another notification. XXXX said I should hear from herself or XXXX within in a few days. I still to date have not heard anything and no one will contact me back. I am now being charged for the interest and the amount of the purchase when I never received the item.
02/08/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	NV XXXXX	Web
I was mailed a " Pre-approved '' letter from Avant. It said I was approved for a credit card with a {$1000.00} credit line. It was sent to my correct and current address. When I " accepted '' the " offer '' on-line, it was switched to a {$500.00} line, and showed my OLD, no longer valid address. I corrected the address on the web form, and it showed as approved. Then, I received an email to " remind '' me to activate the card. Which I have NOT received, because Avant apparently mailed it to my previous address which no longer is able to receive mail ( due to excessive THEFT issues with the USPS which they refuse to acknowledge. ) I emailed Avant to advise them that the card was not ever delivered to me, and they replied that I have to call them ( yet they never answer the phone ). Now, I have received a BILL notice email that my statement is due soon. FOR A CARD I HAVE NEVER RECEIVED OR ACTIVATED. It is FRAUD to bill me for a card that I have NEVER EVEN RECEIVED, let alone activated. Avant needs to be investigated and fined for their ineptitude and willful FRAUD. First Bait & Switch on the credit line, then sending the card to an invalid address that was corrected on the acceptance form, then BILLING for services NEVER RENDERED. Thank you for any assistance you can provide.
12/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 180XX	Web
I reached out to this company because I saw their name was listed on credit report and I wanted to try to rectify this instead of taking Bankruptcy. Upon calling XXXX XXXX, I realized and was informed that another company is managing the debt and they are simply recording the information to my credit bureau. They stated that XXXX XXXX at XXXX is managing this, but I have never received any communication from XXXX XXXX or from XXXX XXXX in reference to this debt. In an attempt to try to settle the debt for {$1000.00} XXXX XXXX stated that XXXX XXXX would not accept this offer. This is highly confusing to me. I never received anything that stated anything about this debt. I never got informed who to contact or call. Even when I spoke with XXXX XXXX, they did not even know my mailing address and throught I still lived in XXXX XXXX, FL, which I have not lived in for over 5 years. I really wish to settle, close, and have this collection removed from my credit report. If XXXX XXXX has done something illegal in this endeavor, they need to zero out the account and remove this from my credit report immediately/ The offer is valid for {$1000.00} and I will not offer a penny more. XXXX XXXX must handle this debt and a 3rd party of a 3rd party is not going to be acceptable to me.
06/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30106	Web	Older American
Obtain the loan from Avant on XX/XX/XXXX for {$6900.00} with payments being made thru ACH beginning XX/XX/XXXX. I contacted Avant and requested that my due date be change to the XXXX of each month as soon as I received the payment schedule. I asked if there would be a problem and was told no. I paid the off the loan with the final {$270.00} being deducted on XX/XX/XXXX. When I checked on line last week, it showed my balance as XXXX. Then I received an email, showing the XXXX balance but stating to contact them because I still owed additional monies. I called and spoke to an operator who would only give me his first name, XXXX. I explained why I was calling and expressed my concerns about receiving the notice. He explained that when I moved my due date, they charged me {$100.00}. I asked why wasn't that explained to me and was told it's in the contract. I replied, you mean for adjusting my due date for 5 days you charged me and no one pointed that out to me when I made the request? He replied it's in the contract. I was totally upset at that point and let him know that doesn't make any sense and send me something in writing. On XXXX I received an email from Avant Resolutions stating that I now owe {$140.00} and interest will continue to accrue on my unpaid principle balance. Help!
06/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	UT 84047	Web
On XX/XX/XXXX I contacted avant asking them to provide me with a pay off amount. I was told the payoff amount was XXXX. On XX/XX/XXXX they received my check in the amount of XXXX. They sent me a confirmation email stating they have posted my payment to my account. After two years they started reporting to the credit bureaus in XXXX of this year stating that I was behind on my payments. When they were clearly paid off 2 years ago. I called them to ask what this was about and they told me I still had a balance with them because I didnt make XXXX payment in XX/XX/XXXX. But it clearly says in the payoff quote if you pay before XX/XX/XXXX XXXX will your be your pay off amount and they received my payment on XX/XX/XXXX. I asked them what needed to be done and they told me well you can take care of your balance but we cant tell you that balance until you have made 6 months of payments. I have disputed their reporting of late payments with transunion and they removed their account from my credit report. XXXX will not remove from my credit report they are telling me everything is accurate. I am currently waiting on an answer from XXXX. This company is horrible and try to get more money. Something is clearly wrong if after 2 years they decide to report to credit. They need to be shut down.
06/17/2016	Yes	Payday loan	Can't contact lender	MI 483XX	Web
I took out an online loan with AVANT in the amount of XXXX simple interest being charged at 35.9 %. I live in the state XXXX. Avant later posted rates for the state with similar score and profile as mine in the amount of 29 %. I requested information from AVANT on how my rate was determined. The request was made by phone. I made a second request, and subsequently a third request. I was told it would take 45 days to respond. I called on several occasions and asked to speak to a supervisor. I did not receive a call back and AVANT sent me a response after the 3rd request over 60 days later regarding an answer to my question, how was my rate determine. The answer by AVANT referred only to it is determined by the computer system. I re-applied for a refinance to lower the rate recently with AVANT. My credit profile is stronger, my debt lower, and my payment history has been excellent the past 6 years. In order to refinance, AVANT states you have to take out an additional {$1000.00} above the current amount of your outstanding loan. I was denied the ability to refinance to the lower rate. Again, rates posted are lower than the rate I was given. Avant does n't respond to the borrower 's, effectively nor timely. The underwriting process to determine rates is not systematic and fair.
10/29/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	PA 185XX	Web	Servicemember
On XX/XX/2020 @ XXXXXX/XX/XXXXeastern time. I have made my 3rd attempt to contact AVANT Credit card customer service to be sent a final bill so I can pay the account in full. I was told for the 3rd time that they would submit a ticket and see what they can do. I was told that it could take up to 14 calendar days for a response. I have gone through this 3 times and have not received anything from them. In the mean time the late fees and interest continue to add up. They also continue to report to all 3 credit bureaus and now again my credit score has dropped another 30 points. All I wanted was the bill to make the payment. I have just returned to work after being off for 13 weeks I am struggling like many other people during the pandemic. I am trying to do the right thing and just pay my bills. After months of trying to settle this account I have come to a point I don't know what way to go. Is there anything you can do to help me resolve this matter. They are going to continue to destroy my credit with their late payments and charge off. All I want is the Bill to pay them. I don't think what they are doing should be legal. They are avoiding the final bill to accumulate late fees and interest no matter the amount when it is done to thousands of people it adds up. Thank You.
05/05/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IN 461XX	Web
First off, I read in the newspaper that I was being sued by a debt buyer that I had never heard of, then I had a court document delivered by local sheriff of a request for default judgment request. I had never received any letter from this debt buyer. I contacted the court and advised I had not received any letters and that I requested an actual hearing. The debt collector submitted a signed affidavit that said a letter was mailed via first class mail. No tracking info could be provided. I asked for proof of ability for them to sue me or ownership of the debt. They sent some papers that showed they bought a bunch of debt from XXXX XXXX. Nothing that showed me or any account directly associated with me. We appeared in court and the judge agreed the information provided was not supportive of showing any ownership, thus not granting the default judgment they requested. However, they continue to report this on my credit report after many attempts to have it removed. Secondly, the information they are reporting is inaccurate. I never obtained a loan directly from XXXX XXXX and the only loan I can possibly associate with it, is from AVANT and the account numbers are the same l, but the dates do not match. The debt buyers date is listed as after the possible loan.
09/06/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	FM XXXXX	Web	Servicemember
I applied for an avant credit card and was APPROVED for {$1000.00} credit limit. My current XXXX score is XXXX, my salary is {$38000.00} and i submitted proof of address to verify my identity. There are no accounts in collections on my credit. My XXXX XXXX FICO is much higher than most of their applicants. My aunt was just approved for a {$500.00} card and she has a bankruptcy on her credit and her score is only XXXX. My uncle was approved for {$1000.00} as well and his XXXX XXXX FICO score is only XXXX. We all applied the same day and at the same time. After i sent in my proof of address, I called and spoke with an agent who confirmed my approval and stated he had to hang up and call me right back to verify my phone number. I waited but never got a phone call. Two minutes later, I received a retraction of my approval from XXXX stating adverse action. I called back and demanded to speak to a supervisor and was transferred to a XXXX, who claim she didnt have an operator ID. I explained to her the situation and she laughed, stating, " we never approved you for anything. '' HOW RUDE!!!! I have a screen shot below of my approval. It's valid because when my grandmother applied, she was instantly denied. So, i know there is nothing faulty with their approval system.
10/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 27527	Web
I am currently finished paying a loan-off that I have had for 48 months. At the end of my loan i noticed i still had a remaining balance of {$1500.00}. I called regarding my loan a year ago because the balance wasn't adding up to be paid off according to the payments i was making. They told me I wouldn't owe a balance and that I would have. resolution team reach out to me via email to tell me what was owed if I had anything owed. When I initially got the loan the company accidentally set my loan date on the XXXX instead of the XXXX. XXXX asked me to call in and had the date changed in order to have my payments come out on the correct date due to their error. At no point was I told that I would have a balance left or I would have to pay anything extra at the end of my loan. If I would have known that my payments should had changed in order to fit paying off the balance on time. XX/XX/XXXX should have been my last payment. I called in XXXX of XXXX to verify if something changed as far as my balance and I was told that they did not see anything at that I would receive and email. This is not fair to me. I was proactive and you are not able to speak to an supervisor they make you wait for an email. have never missed a payment and been on time. Please help me
03/17/2017	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA XXXXX	Web	Servicemember
I applied for a loan thru Avant just a few weeks ago. I submitted all the details they requested and even called to verify if my application was complete. I was told yes, they had all necessary information, Employer, Income, mailing address. Today I received an e-mail stating they denied my loan because they could not verify my income. How is that possible? My income is obviously needed for a loan. I called and spoke to XXXX who said he would submit my complaint to the complaint department because he can not see the reasons why I was denied and I would hear back in 14 days. I received another e-mail stating that my loan is denied and they have sent me a list of reasons. I have never received any correspondence other than an initial e-mail earlier today. My income is the first thing that was submitted. They never reached out to me in any way to ask about my income. This was just a waste of time, a false company that only runs your credit to make other creditors they work with call me or e-mail me. TOTAL SCAM! Now I have an inquiry in my credit because this company is not legit and their approach is very unprofessional. I do n't want to ever do business and I want that inquiry removed because your claim that my income was unverifiable is a major lie!
05/12/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	MS 38701	Web
Please note that I have already contacted CFPB with respect to a complain. I have a case number assigned, which is : XXXX. I was instructed to file a compliant online. Thus, please note the following : I am writing to file a complaint against Avant Credit because of their predatory lending practices. Please see the attached correspondence written to the creditor requesting clarification. Please note that the original loan was taken out XXXX 2014 in the amount of {$4000.00}. Since that time, I have paid to the credit the amount of {$2700.00}. Please note that this loan still carries a balance of almost {$3900.00}. Their lending was deceptive and the interest and fees are simply legalized loan sharking and preys on individuals that need to seek out alternative lending options. In addition, Avant Credit has listed on my credit report that I am in collections, which is not true. I have asked them to remove their collection account and they have not yet complied. Furthermore, I want this listing removed. I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.
11/28/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CT 06320	Web
I applied for and was approved for a loan with Avant Credit, issued by XXXX on or around XX/XX/XXXX. At time of application/loan approval, terms were not disclosed such as interest rate, which is a high 35.9 %. This was found out about after it appeared on Avant website, it did not previously show before. Ive been making payments on the loan and they do not begin to cover the principal due to high interest rate. My credit score was in the mid to high XXXX range at time of opening and my rate should be based on that score and not 35.9 %. A XXXX complaint ( XXXX ) complaint was filed, however, not resolved. Avant rep ( s ) claim terms were disclosed to me and were not. I just received the full terms via email after asking a rep for them, these were not sent to me before. I did speak with a XXXX XXXX and unfortunately, was unable to resolve the matter. My XXXX claims he has screen shots showing terms, rate, etc.. However, it is highly unlikely he knows what appeared on my end, on my computer, at time of application. Had I known about this high interest rate I would not have applied as I will be paying back more than double the loan amount after the term ends. Please note, do not mark this as duplicate as there is additional information enclosed.
04/17/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 33702	Web
XX/XX/19- ONLINE Lender XXXX Loan ID # XXXX Unable to pay online- option is not able to function with no explanation from company as to WHY last month XX/XX/2019 or this month XX/XX/2019. Unable to CHANGE VIEW VERIFY full banking acct info. unable to CHANGE VIEW VERIFY email address on file. Same issue XX/XX/2019 and I was told this would be resolved. It is not. Prior complaint stated that I told company not to email me. I did not. FOR THE RECORD THE COMPANY CAN email me ANYTIME DAY OR NIGHT AT XXXX XX/XX/19 I just called again, spoke to XXXX whom assured me this issue would be escalated, so I can check back in few days for access to my account information. Prior complaints filed, as Co. is difficult to work with/lack of integrity in fairly dealing with consumer/prevent you from paying or knowing about amounts due, no notices, but no access to account either. I get emails sometimes, but in last complaint they stated I requested no email contact from them. I DID NOT. NEVER Happened. Only get emails when convenient for company. They want your account to go past due to add on more fees. Blocking me from accessing account is violation of the FDCPA.. YOU ARE preventing me from paying online and seeing what you are really doing with my account.
11/12/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NC 287XX	Web
I was a victim of identity theft. I started receiving notices in the mail that I was delinquent to a {$15000.00} loan through Avant that I did not take out. I contacted the loan company on XX/XX/XXXX at XXXX to report the fraud and the loan that was not in my name. I obtained a credit report which had an unknown address listed and gave Avant the information. I was told to consider the matter closed and that Avant would contact their fraud department to handle it. I called Avant back on XX/XX/XXXX to inquire about the status of the investigation/loan and was told that the fraud department was not notified. I was also told that the fraud department can only be reached via email and can not be called. On XX/XX/XXXX I received an affidavit from the fraud department. I responded to the fraud department 's email with the affidavit on XXXX, only to get no response. I contacted them via email on XX/XX/XXXX and on XX/XX/XXXX asking if they received the affidavit but with no response. I then called Avant to notify the customer service of the issue, and it was only then the fraud department contacted me via email. I was told that my credit score would not be affected, but it was dropped 200 points after the fact I froze my credit on XX/XX/XXXX.
01/22/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 34689	Web
I took out a {$3000.00} loan with avant in XXXX XXXX and my monthly payments were {$170.00} monthly. On XXXX XXXX XXXX I contacted Avant to pay off the loan and we told it WAS XXXX which I took care of with an agent by giving them permission to debit my bank account for that amount, the funds came out of my account on XXXX XXXX .I received correspondence from Avant confirming my account was paid in full and they even sent me a survey to complet to rate them on my experience. Today while balancing my checking account to I see a debit from Avant for a XXXX yes XXXX I immediately contact avant and speak with XXXX and ask her why was my account debited for a penny yes XXXX on XXXX XXXX XXXX when I paid the loan off in full on XXXX XXXX XXXX. I was told my loan was paid in full but we had to clear a penny so we debited your account again 8 days later. I am upset this is illegal, unethical and wrong and needs to be addressed, why do they still have the ability to access my account without there permission when my loan is paid in full and they have sent me communication corroborating that. The debit was done 8 days later it 's not the a out of the debit heck every penny counts but the process is wring and illegal and needs to be addressed.
07/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21206	Web
Hi, The Company Avant , Inc. falsely reported two missed payments to my credit report. I 've had XXXX balance with this company since the end of XXXX and a perfect current payment status up until this week when I checked my credit score, which I check every week. All of a sudden they reported to the credit bureau this week that I missed two payments for XXXX and XXXX of XXXX . I never had a balance with them in XXXX . This is 100 % false fraudulent reporting. My credit score has plummeted XXXX points because of this false allegation. How can a company all of a sudden ruin my credit this week over something they alleged happened in XXXX . Why did n't they report it then. Why was I never contacted over these alleged missed payments at the time. This is bogus and thoroughly wrong. I 've strive very, very hard to get my credit score up and Avant comes in and destroys it in one day over false reporting. I 've contact the company and they said they would look into it and they sent me a email I do n't understand. This is the companies information : Avant, Inc. XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX 7 Please help me with this situation and let me know who else I can contact about this matter. Thank you
03/19/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IN 46614	Web
I recently contacted avant for a payoff on my account. I was told they would mail one and further I could obtain a 10 days payoff at any time on line. I did obtain a payoff on XX/XX/19 good thru XX/XX/19. I sent a check overnight to avant and they received it and applied it on XX/XX/19 actually effective dating it back to XX/XX/19. This did not payodd my loan. They state and I now see that it is required that I schedule the payoff in order the the 10 day payoff amount to be valid. I called and spoke to them and they did indicate that a payoff that is quoted on line is not official unless I actually schedule that payoff via check or debit. I asked them how do I get a payoff good for 10 days without scheduling that payoff, they said I cant. The only way for the payoff to be valid is to schedule it because they freeze the interest. I dont understand how they freeze the interest because he said it is interest thru XX/XX/19. Is this legal? Can they require a payoff to be scheduled in order for it to be valid? Now, because I didnt schedule the payoff, I owe {$30.00} more. And if I dont schedule the {$30.00} before I send it in, I will owe more. Again, is this legal? Cant I get a payoff without any strings attached?
03/29/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 27606	Web
I paid on XX/XX/2018 {$25.00} for my XX/XX/2018 statement. XXXX XX/XX/2018 company charged me a late fee of {$25.00} for my XXXX bill. I called and emailed them immediately asking why I was charged a late fee when I paid on time. I was told the late fee was going to be removed. So on XX/XX/2018 I went ahead and paid {$25.00} for my XXXX bill then days later my due amount was changed from XXXX to XXXX all because when my XX/XX/2018 bill came out they still hadn't adjusted the account to remove the late fee of {$25.00}. I emailed and called asking about the adjustment to my account to correct the due amount because it was only caused by them in error of placing the XXXX. I still kept emailing and calling. I then checked my account AGAIN on Sunday XX/XX/2018 and it still showed XXXX due. I was forced to pay the XXXX today XX/XX/2018 there is a new LATE FEE being applied to my account of {$35.00} now when my XX/XX/2018 bill comes out the amount is going to be large again instead of the normal {$25.00} a month that I should be paying. This company needs to correct their account system that places late fees when they shouldn't be applied. No other company charges you late fees for paying the same day your bill comes out.
02/11/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MD 20902	Web
XXXX XXXX XXXX I made a {$4.00} gum purchase to see if the Avant credit card was opened. I paid {$5.00} the same day to pay back through ACH from my bank online setting up the Avant payment. XX/XX/2020 it showed my payment on my Avant credit card. I called Avant credit card on XXXX XXXX and asked why hasnt the {$5.00} credit been applied to my card as I set everything up and it cleared my bank already so with them showing me a XXXX cent credit it still had my available balance as if I still owed {$4.00}? I called and asked about why it wasnt updated the representative explained to me it takes 11 days to post payments to my account? I explained 11 days for a {$5.00} payment that already cleared my account? I said close this account because Ive never heard of an ACH payment taking that long to credit back a credit card. They closed my card and stated if there is an annual fee it will be reversed because the card is now closed. The next day I get a email showing me now owing {$38.00} and its showing on my credit report? I closed this card I didnt have it open for 7 days at all and this company is not practicing proper credit card guidelines. I spoke with an attorney that referee me to file this dispute online.
01/07/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	VA 22033	Web
Due to unemployment, I defaulted on a personal loan in the amount of {$14000.00}, extended to me by Avant, in XX/XX/XXXX. The predatory ( unbeknownst to me at the time ) interest rate charged on the loan was 29.99 %. I made timely payments, through, and including XX/XX/XXXX, totaling {$7000.00} ( $ XXXXPrincipal + $ XXXX-Interest, applying their predatory interest rate ). By these calculations, the amount outstanding is {$11000.00}. If complying with the maximum interest rate allowable via VA Code ( 12 % ), I believe my indebtedness to Avant is {$9100.00}. Either way, the collection agency and/or attorney now handling the matter erroneously indicate that I owe {$13000.00}. I am now unclear as to whom the debt is owed or to whom I should respond to, as I have received correspondence from : XXXX XXXX XXXX, XXXX, dated : XX/XX/XXXX ( Notice of Intent to File Civil Suit ), XXXX, XXXX ( two separate pieces of correspondence ), XXXX ; and XXXX XXXX XXXX d/b/a or on behalf of XXXX XXXX XXXX, dated : XX/XX/XXXX ( two separate pieces of correspondence ), and XX/XX/XXXX. None of the above-referenced correspondence directly address my dispute, sent to XXXX XXXX XXXX, XXXX, via certified mail, XX/XX/XXXX, and XX/XX/XXXX.
08/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 604XX	Web
I initially took out a loan with this company, which I now realize is a subprime loan company, due to falling behind on some bills and needing help getting out of debt. Initially everything seemed fine. First loan paid off. Second loan refinanced into another loan. That loan refinanced into yet another loan, each time with a higher repayment amount & more time on the loan. Fell behind, set up a payment plan to help catchup on payments. The only problem is that, even though they reduced my payments for six months, all of that money went towards interest and fees, and not one cent went towards reducing the principal of the loan. This dug me deeper in debt to this company. Now, more than a year later, I am just beyond the 50% mark of having paid this loan off...which is ridiculous. I cannot afford to continue paying this loan! My checking account is coming up negative, on a regular basis l, due to these debits & all of my other obligations ( that are necessary for my day to day survival). I am about to lose my car and my job is in jeopardy, due to this overwhelming debt that I have on me. I need relief from this situation & $XXXX less debited from my account each month, will help give me some relief.
12/16/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	IL 60516	Web
I was approved for an installment loan in the amount of {$3000.00} back inXX/XX/XXXX ; after losing my Job in XX/XX/XXXX and unable to continue my monthly amounts, I stopped making payments. In XX/XX/XXXX, after doing temporary work for the next 2 years at a lower salary, I renegotiated a lower amount of {$120.00}, but was unable to continue due to unemployment thru XX/XX/XXXX. In XX/XX/XXXX, after finding a full time permanent position, I contacted AVANT, AGAIN and renegotiated another payment arrangement of {$140.00} for 8 months as a settlement amount of {$1000.00} to finally settle and pay this loan. I was making my monthly payments as scheduled until back in XX/XX/XXXX, I received a notice from AVANT stating the agreement was null and void, I has missed making one payment iby the due in XX/XX/XXXX ; I had emailed Avant to let them know this payment would be late. I made the XX/XX/XXXX payment up in late XXXX by making two payments in XXXX XXXX. The loan was due to be settled as of XXXX XXXX, my credit report updated and loan settled as paid. I was like WOW, I was so close to having this thing done and paid, when they pulled this and my credit file was to be update SETTLED and PAID!!!
05/25/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 372XX	Web
My loan was due to be paid off on XX/XX/XXXX. According to Avant, I still have a balance due. Upon my research of my payment history, there are several payments there were not applied to principal. The payments were only applied to interest. I have inquired to Avant on several occasions via phone and email ( XX/XX/XXXX, XXXX ) inquiring about the payments and requesting the basis of their calculation. The only response I was give was Whenever making regular or additional payments, they will be applied first to outstanding charges, if any, then to accrued interest, and then to principal. This is an unsatisfactory response. Avant is being fraudulent in their lending practice. As of today, Avant has not provided proof of the basis of their calculation for the payments in question. According to my Loan Agreement and Promissory Note, the total finance charges is {$7800.00}. As of XX/XX/XXXX, I have paid {$8400.00} in interest. According to Avant, I still have a open balance of {$1200.00}. I am aware additional interest was due for the four extension I received through out my loan. I have paid {$600.00} in additional interest. According to my records, my account should be paid in full.
04/07/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 300XX	Web
Reached out to Avant Credit on XXXX/XXXX/2015 as I noticed some discrepancies on all three credit reports. XXXX Credit report would have a status of 30 Days late XX/XX/XXXX while another credit report would report me OK for the same month. I reached out to a Customer Service Rep at Avant and they advised me they would get back to me when they could. I advised the rep that was unaccpatbe ; l as it has been over three weeks and I have not received a follow up call or email regarding my concerns. The rep advised I could dispute with the Credit Bureau only they report information given to them by the creditor. I am asking Avant Credit Please update all XXXX reports to show the same information. Pay Status, Balance, Payment, Date Open etc. I also went into a payment plan status in XXXX 2015 as I fell behind back in XX/XX/XXXX because of a job transition. I went into a payment arrangement and the Payment Specialist adbvised me they would put the amount owed on the back of my loan and I would go into a current status as long as I paid on time. Please update all XXXX bureaus with the correct information as I do not want to rectify this once I am going for a home mortgage. Thanks
03/14/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	OH 44039	Web
I am a current Avant customer. I have had a loan with them for 14 months - every payment made on time & auto deducted. I applied for a refinance & was given a TIL. All of the sudden, after putting in my bank information, they denied me. After waiting for two weeks, I was finally sent a denial notice via email. They denied me, a current customer, for " unable to verify identity. '' I attempted to call to speak to them & was told that I had to email their compliance department. When I did, they would n't answer me with what or why they were unable to verify the identity of a current customer. I believe I have the right as a consumer to know why my current loan company is unable to verify my identity. They have all of my personal information, including my social security number, bank information, name & date of birth. If they needed something additional, then they could have requested it. I believe this is a false reason for the denial & I also believe I am entitled to the reasons for a denial from a lender considering I meet their criteria. They have no problem verifying my identity to take my monthly payment each month so obviously this could n't be a great concern for them.
05/12/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 270XX	Web
We have had to file a hardship due to circumstances beyond our control with XXXX XXXX XXXX . We have informe d Avant that we are now under a no contact with them and directed the m to deal with the debt relief agency. Instead they are harassing us and continuing to call an unreasonable number of times. When we pick-up the phone, they hang-up. O n XXXX - XXXX -2017 th ey called our home 5 times. To follow are the times of day they called on XXXX / XXXX / 2017 : XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX and XXXX XXXX . On XXXX / XXXX /20 17 they called our home 4 times ( so far ) . To follow are the times of day they called XXXX XXXX / XXXX /2 017 : XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX . My husband has a XXXX XXXX and this is causing him XXXX XXXX . They have also called my place of employment repeatedly. My caller ID on my phone only store s 30 calls, so I am unable to give anymore exact times of the calls, but this has been taking place since we informed them of our hardship and directed them to call the debt relief agency on on Saturd ay XXXX / XXXX /2017.
06/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 92879	Web
Hello, on XX/XX/2016 I called Avant to pay off my account the person who help quoted me {$1900.00} to pay off my account that same day I made payment after she quoted me the payoff to closed acct. I been in the finance industry for over 10 years and i know when i get a call from a customer asking for a payoff we quote them an amount for that day to closed the acct. and end story. well Avant gave me the payoff and XX/XX/2016 i made payment and the next day they went ahead and deducted the monthly payment of {$190.00} the next following day XX/XX/2016 which I put a stop payment because i already had made a payoff on XX/XX/2016 they even sent me a letter saying after i had made the payoff amount of {$1900.00} my acct was XXXX balance. well Avant has been harassing me saying that I owe them now almost {$1000.00} and I totally disagree. they reported to my credit as my acct being on default. they claim that the payoff they gave me didn't include that payment that was due the next fallowing date. how is this even right? when you ask for a payoff to closed acct all fees and payments need to be included. I hope you can assist with this matter. Thanks
07/14/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	VA 22030	Web
We have an existing loan with Avant Credit and they ( not we ) are making it increasingly difficult to pay the monthly installments and have n't even given us access to the final loan agreement/details/loan #, etc. We had to close a checking account ( from which they were taking payments ) due to credit card fraud. We have notified them about this over 7 times. They will not take that account off of their automatic billing AND will not let us put a new account in its place. We repeatedly have called and emailed them with these concerns, to no avail ( over 10 communications to them and counting ). Instead, when we ask to speak with a manager, the costumer service rep HANGS UP ON US. They, clearly, are trying to throw up roadblocks to us paying our loan AND accessing info related to our loan. They create many reasons why they will not take most forms of payment. They are outrageous with regard to how many problems they create to prevent you from paying your monthly installment. Clearly, they are trying to get consumers to default, so they can jab you with excessive late ( and other ) fees. Worst lender experience I have ever had. What can we do???
12/09/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27527	Web
There was a loan taken in my name from a company called Avant which I had no knowledge of or received money from. A company called XXXX bought the loan from them and originally called me in XX/XX/XXXX through XXXX, they were told that the debt was not mine and I never applied for a loan nor received any money from a loan from AVANT or XXXX. Did not hear anything in response until I received a call on XX/XX/XXXX from XXXX who attempts to collect money on behalf of XXXX XXXX, they also called other family members trying to get my information. They were told again the loan was fraudulent, but they are still attempting to collect the debt which should not be mine. I did some research on what AVANT requires to accept to pay out a loan and they require bank account information and to verify employment, which would have been hard for me to do since when this loan was taken out ( XX/XX/XXXX ) I was unemployed and a XXXX and my bank account records will show I never received any loans from AVANT or XXXX. I am uncertain how they operate but it appears they need to validate their information before paying out to someone who claims to be someone else.
06/26/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MI 48221	Web
Avant credit card company is not applying my payments to my balance in a timely manner. My balance keeps showing up for more than I actually owe. They are charging interest on the wrong amounts. They also keep reversing payments. Last month I overpaid them and had a - {$230.00} because they have not been applying my payments properly. I requested that credit to be applied back to my bank account. My balance should have been XXXX. I have not used the card since the XXXX balance and there are no transactions on the card reflecting that the card has been used, This month Avant applied a {$800.00} charged to my account for no reason and when I called in and spoke with 3 different representative at Avant, no one at Avant that I spoke knew what this charge is for. I have been dealing with these payment matters for months. The reps give me a run around about speaking with a supervisor and no supervisor has ever called me back even though I requested several times to speak to a supervisor as well as a call back. I have sent several emails and received no responses. It is also showing up on my credit report that I owe a balance that I paid off.
08/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NY 11225	Web
I applied for a loan to this company, and I sign everything but I made one mistake and enter a wrong bank information because I was XXXX, and a few day later I call the company to hold on the fund and not processed it to the bank that was on the the application, and a customer service promised the fund wouldn't be transfer, and I was advice to send the correct bank information, and the money would be transfer. I thought they fix everything, after awhile I didn't see the money put into my bank account which was supposed to be around {$9000.00}, and I was told they deposit the money to the wrong bank account when I told them not. I was upset, and they charge me an administration fee which is {$500.00}, and I call the person they put the money to return the money to the account will the send it to me, and I was told yes. all of it was a lie. avant didn't inform me if I was going to get the money. I kept calling and customer services kept lying, and giving the resolution team kept have me waiting for weeks before emailing, and they unable to find a solution. and they want to make payment when I didn't received any fund from them
10/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CT XXXXX	Web
As stated in prior complaints against Avant Credit/XXXX the terms of loan were not disclosed at time of approval including interest rate. Several payments were made and have ceased when contract was emailed to me showing rate, which I dispute and have been disputing for several years now. Avant claims I selected the loan amount as well as terms which is not correct, the amount, {$6800.00} was the only amount offered and no terms such as interest rate were selected either. The last payment was made in 2015, Avant has been reporting the account 180 days past due when last payment was made well over 180 days, this is an attempt to get me to pay the loan and also harm my credit score. The bank claims to have screen shots showing the rate/terms, none of which they have shown or proven. Additionally, the application was done electronically and nothing signed, my signature is not on any documents showing I agreed to any terms. Having said that and the fact we are not able to resolve the issue, I request Avant to close the account and send it to collections, I will work with whichever collection agency they refer account to
04/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 546XX	Web
I received a letter from The Avant Family on XX/XX/XXXX in which I had called because it stated I owed XXXX that was funded to me on XX/XX/XXXX. I had no idea what this was and had not taken any loans out. When I called they told me it was an online loan, they asked me for many things that I did not give to them, social security number, address, birthdate, and email address. I told Avant they sent me the letter they should have my address and I gave them the account number that was on the letter and that was all. I then asked them what email was associated with this loan that I did not take out? they told me they could not give that information to me. I figured at this point it was just a scam. In XXXX of XXXX I was in the middle of purchasing a building and the bank found I had profit loss on my account from Avant in the amount of {$14000.00}. I contacted XXXX XXXX and XXXX to dispute this as it is not my debt and I had near perfect credit prior to this being on there. I got back from all three the same answer that it Remains and that it is accurate. I don't see how this is possible as I never took this loan out.
03/04/2017	Yes	Payday loan	Charged fees or interest I didn't expect	OH 43219	Web
Over the course of the summer, I applied for an installment loan with Avant at a 12 % interest rate. I selected a loan amount of {$11000.00} in which I thought it would be a 12 % interest rate for 36 months. On the website, the interest rate was and is hidden. Also, it is hard to tell how much you owe as well. Upon performing further research, I have learned that I am paying a 4 year loan at 34 %. I called Avant and complained about my rate and was advised I can apply again within 6 months. I waited 6 months and they said that you will actually have to wait 12 months to refinance. I have paid XXXX payments with a total amount of {$3400.00} with only paying down {$830.00} of the principal. I have a XXXX credit score and had recently applied for a pre-approval for a home mortgage, but I was denied the amount requested due to this high paying loan as it was a concern for my lender. I have performed research and have found out that this is predatory lending and I would like present my case and my loan application to be reviewed. I never applied for a 34 % Loan as this type of loan will keep individuals in eternal debt.
11/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	PA 179XX	Web
Various companies are marketing loans via emails. So I respond to their ad that claims I can check to see what rate I would be able to get based on my record. So I go ahead and inquire, they offer a loan to me which I do not accept. In their marketing pitch, they claim that checking to see what rate I am able to get will not affect my credit report as no inquiry will be involved. Then I get this email from Avant that says just the opposite. This is not fair for an inquiry to show up when they said none would appear. Also, why is my score so low?? I have never missed or been late with a payment in the last ten years. I should have a perfect score really. Here is their email to me : Your recent application through Avant has expired Thanks for checking us out. Reapply anytime. XXXX, XXXX : An application for a loan submitted on XX/XX/2019 through Avant has now expired, and we can not offer you a loan at this time. Avant branded credit products are issued by XXXX, so you may see a new inquiry from these institutions on your credit report. We welcome you to re-apply and check your rate with us anytime.
10/26/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CT 06457	Web
On XX/XX/2020 I opted out of the automatic payment via ACH option on my account and the request was made with no problem. On XX/XX/2020 I sent an email to Avant requesting that my banking information be deleted since I am no longer using that option and they refused. I called on XXXX a few days before my payment was due to inquire about how to cancel the autopay. At that time the payment was due in a few days so I told the representative that I would let that payment go through and I would call back. On XX/XX/2020 I can't remember if I called or went online for the request to cancel the autopay, but it was done immediately and I received a confirmation email right away. I have been going back and forth with them by email about deleting my banking information. They can't remove it because of federal regulations. How does my banking information fall under the federal regulations that they are citing? My banking information is personal and private. If I am no longer using the automatic payment option there is no reason for them to hold on to my banking information. I chose another way to pay them.
05/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 31405	Web	Older American
In XX/XX/2014 I applied for a loan through Avant Credit for XXXX work. They approved the loan and 5hem said 5hey were turning over to XXXX XXXX because they did not do medical loans but XXXX XXXX did. XXXX XXXX was funded by XXXX XXXX XXXX and everything was set. Ended up going through a Debt Consolidation company to get out from under some debts and XXXX XXXX/ XXXX XXXX settled the debt for XXXX. Now Avant/ XXXX XXXX XXXX is suing me for the money saying I owe it to them. I do not owe this money. It was settled for the XXXX I mentioned. Now every one I talked to has no record of Avant Credit sending anything to them and Avant Credit says they don't know anything about it!! I was told by the rep from Avant Credit that it would be XXXX XXXX in charge of my loan. Now they are saying that never happened and are suing me for the money!! I don't owe Avant Credit this money!! I don't know what else to do!! I also have filed with XXXX and they suggested that I file with you also. I only have 30 days to figure out what they are doing and file an answer to them. I really do not owe them this money.
01/06/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 347XX	Web
I started to notice small charges around middle of XXXX, but I didn't pay to close of attention to the small charges until late XXXX because I had only used the card twice since I received it. I called Avant in total confidence that the issue would be taken care of promptly ; only to be transferred to different departments 8 times, and then a representative assured me that they would take notes and have these charges removed and cancel the card and send a new one ; this was the first call in XXXX. I called again in XXXX, a this was a repeat of the first call, but I found out from the Avant rep, that someone attempted to use the first card ( the one that was supposed to be cancelled! ) after I had already received the new one ; with all of this said, they gave me no alternative. I had to cancel the card, however after the first dispute Avant responded with ; your account has been updated ; not quite sure what this means. I'm describing the happenings in this complaint to see if I can get this account expedited. I also threw the card and I only have the last four digits Thanks in advance.
10/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	LA 708XX	Web	Older American, Servicemember
Request to CLOSE ACCOUNT and give payoff balance in XX/XX/XXXX. Advised was refinancing home to clear debts especially this one at 65 % APR. AVANT of Louisiana, LLC refused to cooperate with me or XXXX XXXX XXXX that was handling refinance of home and cutting payoff checks. Clearly told both of us would not close account nor put a payoff amount in writing. Applied for loan for medical emergency XX/XX/XXXX for {$2600.00}. because of the urgency..failed to read fine print that showed 65 % APR which meant at least {$130.00} a month was added to balance even if I paid more than monthly amt due on or before due date. This is the only Creditor that was not paid and only creditor that REFUSED TO CLOSE ACCOUNT ON DATE OF CONTACT REQUEST. My pain and desperation for emergency dentalsurgery led me to now having to deal with a financial burden that keeps increasing in leaps and bounds monthly, a company that refuses a request to close the account to stop the 65 % APR, refuses to allow me to talk to management. Seems I 'll be trying to pay this one debt forever and keep bad credit reports.
11/14/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	DE 19713	Web
On XX/XX/2015 I sought a loan from Avant the loan is funded by XXXX in the amount of {$14000.00} the loan was deposited into my checking account on or about XX/XX/2015. I began to utilize the funds from loan to consolidate credit cards / bills, on or about XX/XX/2015 Avant did a pre authorized debit for the full amount of {$14000.00} from my checking account. This caused my account to fall approximately {$8700.00} negative, I immediately contacted Avant whom informed me that there was a huge error and that they would exspite a return. I continually attempted to contact Avant until about XX/XX/2015 an was advised that the loan remained paid off in full. This forced me to call my bank and file a claim for what suggested a fraudulent activity. XXXX began reversals of the funds and refunded me for various overdraft fees and NFS fees. I had to go approximately 2 weeks while my account remained negative, I was n't able to pay many obligations such as rent or other financial means. XXXX was able to retrieve my funds XX/XX/2015 and Avant is attempting to collect again on this loan.
07/18/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NE 681XX	Web	Older American, Servicemember
Applied for loan in XX/XX/2018 and had the following experience : 1. Representative gave me a list of documents they needed, but wasn't specific, so I had to find and upload different documents related to the same income. 2. Many first-line customer service reps have thick accents and talk so fast you can't understand them. 3. On several documents, I had to submit the same document 3-4 times, despite telling the reps that I'd already provided those docs. 4. I answered the same questions 4-5 times, e.g. " what bank does your pension check get deposited in? ". From this and other repetitive issues, I deduce that their internal processes are not thorough, nor are their people well-trained. They obviously do not take good notes from their conversations with loan applicants. 5. They promise a decision within 24 hours. It took 6-7 days for me because of all the duplicative questions and requests for documents. Definitely NOT a good company to do business with. Regardless of my loan decision, I would be filing this complaint. People should not have to go through this.
04/11/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 30126	Web
I have a credit card from XXXX XXXX and they do not credit my account in a timely manner. I made a payment on my account on XX/XX/XXXX it cleared my bank on XX/XX/XXXX and they did not make the credit available on my card until XX/XX/XXXX. I did not question this very much I just thought that was a standard practice since the account was new. However, when I made another payment on XX/XX/XXXX it cleared my bank on the same day XX/XX/XXXX they will not make the credit available until XX/XX/XXXX. I have contacted them and they say it is to ensure that the payment is not returned. I contacted my bank and they said with things being paid by ACH it is all electronic and that the payments are not returned. I feel that this is very extreme to wait ten days to release the available credit on my account. I am trying to rebuild my credit so if I now close this account it will affect my credit score and I refuse to pay an annual fee for a card that is virtually useless. I am not sure if anything can be done, I feel that this is wrong and needs to be corrected. XXXX XXXX
12/27/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NJ 088XX	Web
The Avant credit card is in my son 's name, XXXX XXXX. My name is XXXX XXXX. My son has been in XXXX since midXXXX. I have a notarized POA issued by a Notary assigned by the XXXX XXXX XXXX in New Jersey. Avant service rep would not allow me to pay off any of is credit card statement over the phone and said I need to mail them a POA. I received the POA in early XXXX and e-mailed them a copy on XX/XX/XXXX. I received a email back on XX/XX/XXXX to with a phone number to call. I call this number and the service rep said that my POA was in there legal department for review. They would not let me pay on the open balance. I sent them a E-mail on XXXX that I thought a fraud may have occurred. I sent another email on XX/XX/XXXX and indicating that a fraud had occurred on the card back on XX/XX/XXXX and the XXXX. On XX/XX/XXXX I called again about the POA, the reported fraud and me being able to pay for his outstanding balance. Again the service rep said my POA was not approved and they could not help. Fees and Interest continue to be added to the open balance.
02/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 91030	Web
I received a " pre-selected '' loan amount from Avant providing a web address to go to for a loan approval amount that WOULD NOT require a hard credit inquiry. Their website stated I was approved for {$3700.00} ( I had asked for $ {$3500.00} ) and provided a loan doc for electronic signature subject to credit verification and asked for a bank account number for a next day direct deposit and for eft monthly repayment. I approved and signed the doc and a hard inquiry was made. I was then asked for two years of tax returns after the inquiry was made. Not wishing to provide two years of business and personal multipage tax returns ( I'm self employed but also have business partners ) I cancelled the loan application but am stuck with a hard inquiry. I feel this is a deceptive process. If they were to provide all possible requirements PRIOR TO FALSELY PROVIDING AN APPROVED LOAN DOC FOR SIGNATURE this would have avoided my having a ding on my credit report for the inquiry. The company in question is : Avant XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX
07/07/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28376	Web	Servicemember
I am an XXXX XXXX XXXX XXXX Member, and I believe I entered into a contract with Avant under false pretenses via XXXX. Avant either should not have lent to me, or I should have been offered the 12 % interest cap, XXXX the Virginia Usury Law 6.2-303. My account was opened in XX/XX/2015, I resided in the state of Virginia during the time the loan was opened. I am simply asking for my case to be reviewed for fair practice as it pertains to the interest and Virginia law, if an adjustment can be made it would be much appreciated. Ironically I found out about the Virginia Usury Law, as a result of the Virginia Attorney General auditing another account I had with a different loan company, and informing me that my interest would be decreased due to predatory lending practices of that company ( this was unknown to me until I was contacted by the state Attorney General ), hence the reason I am looking into my loan with XXXX, in addition this astronomical payment is causing a hardship on my family, due to military relocations and my husband 's loss of income.
04/07/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OH 452XX	Web
On XX/XX/XXXX, I scheduled a payoff payment for a personal loan with Avant. They told me the amount of the payoff was {$4300.00}. On XX/XX/XXXX at approx XXXX, I dropped in a mailbox at the United States Postal Service at XXXX XXXX XXXX, XXXX , OH XXXX a check for {$4500.00} written by my bank, XXXX XXXX XXXX XXXX , to Avant , LLC . As Avant requested, it was sent to XXXX XXXX XXXX, XXXX, IL XXXX. Yesterday, XX/XX/XXXX, I spoke with an Avant customer service representative on the phone. That person told me that they have not received the check I sent. That person also told me my loan balance is now between {$4400.00} - {$4400.00}. It is convenient for Avant to claim they have not received the payoff check because the balance on my loan with Avant increases daily. The longer they can claim they have not received the check, the more my balance with them increases. From the date I sent the check to them to yesterday when they claimed they have not received it is 12 days. It does not take 12 days for regular mail to go from XXXX, OH to XXXX, IL.
04/17/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AZ 85225	Web
XX/XX/XXXX Loan ID XXXX. Lender required Direct ACH Debit using my bank account. This is a violating the Telemarketing Sales Rule and the Electronic Fund Transfer Act by requiring borrowers to agree to recurring automatic debits of their bank account as a condition of obtaining a loan. Located on loan application. Note ; ( e ) you fail to keep in force a bank account we can use to generate electronic payments page 4 Full Force and Effect. This authorization will remain in full force and effect until we have received written notification from you of its termination in such time and in such manner as to afford us and Depository a reasonable opportunity to act on it. You may send written notificatio by e-mail to XXXX or by mail to AvantCredit, ATTN : Compliance Department,XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Illinois XXXX. Upon termination of this authorization, you will be deemed to have selected the Remotely Created Check option below for all subsequent payments.page 3 This loan has since been paid off on XX/XX/XXXX XX/XX/XXXX
10/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	VA 246XX	Web	Servicemember
In XXXX, I got a {$2000.00} loan from Avant credit online.I paid for nearly a year, and after they automatically with drew a payment from my checking account, by mistake ( I'd switched to paper payments ) .they swore they didn't then tried to make me pay another payment! I filed for bankruptcy in XXXX, due to ANOTHER crooked outfit, a collection agency out of XXXX XXXX , Nevada , claiming I owed {$300.00} for magazines, that I didn't receive one issue from, nor one statement from! ), and quit paying them. I eventually couldn't file bankruptcy, and had a the lawyer that was supposed to have started the bankruptcy, try to get the creditors to settle a smaller amount for me.They didn't comply, thought.This past month, my credit score plunged 60 some points, due to them pushing late payments and an increase in the amount I owed! I am devastated, as I was getting ready to get a loan and pay up the bills left off from the attempted bankruptcy in XXXX.They never called me, sent me one statement, seemingly wanting to make my credit worse!
09/13/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 45040	Web	Servicemember
I was closing on the sael of a home and I requested a payoff balance for the account as part of the deal for the mortgage loan. The title company will process the sale and buy of the new home and cut me XXXX check to pay my debtors XXXX XXXX, XXXX bank, XXXX and Avant. Apprently I committed to an electronic debit on the full payoff amount ( which i do n't recall ). After the closing on XXXX XXXX I recived the check, these were mail on Saturday XXXX XXXX at XXXX XXXX. Avant has already cevied the check that XXXX XXXX title company made and cash it. On XXXX XXXX 2016 I noticed that the electronic debit was posted to my account for the payoff amount requested, I called XXXX to ask them to reverse an electronic transaction since the check was cash already and they claim they have no evidence of the check being cash and they cant reverse the electronic transaction because it was already committed for payment ( the money is not on the account it was on the check cash ). They only could offer a request for a refund ... 10 days process.
02/18/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 371XX	Web
My complaint comes from the fact that Avant a personal loan company based out of XXXX, was having trouble with my payments. I was attempting to make my payments, however they were securing the funds from the wrong account. ( AN ACCOUNT THAT WAS NOT MINE )!!!!! I noticed this immediately, and called them to let THEM KNOW that they were not collecting correctly, and I was trying to make my payment. ( i Have never had so much trouble trying to convince someone to take my money ) After I called and let them know that they were making a mistake, they charged me for the interest for the " late payment ' This payment was never late, and could not have been addressed any sooner than after my scheduled date to make a payment. As soon as it was able to be fixed, I again reached out to let them know the mistake they were making. They said they would call me back. What they have done, is nothing, and have over charged me for a payment that was never late, and should have never been late. And to this date, there has been no issue resolved.
04/25/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	WA 99208	Web
I obtained a loan through XXXX XXXX XXXX and, as part of my loan approval, I was to pay off some existing debt. The company that was to be paid off was Avant LLC. I sent a check, from XXXX XXXX XXXX, to Avant on XX/XX/20, it was processed on XX/XX/20, but the funds were not applied to pay off the loan. Avant took out a monthly payment on XX/XX/20. After noticing the payment was processed, I contacted Avant on XX/XX/20 to ask why the funds were not applied to pay off my loan, they said they would refer the matter to the resolutions department. I have sent several emails to Avant, and they have not replied. They took another monthly payment out on XX/XX/20. I called again on XX/XX/20, and was told the resolutions department would be in contact with me. Avant continues to take payments out of my checking account, even though they received a check for pay off amount over 6 weeks ago. I have a copy of the cancelled check, which I have included in all of my correspondence, but they still have not applied these funds to my account.
03/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NY 11233	Web
In XXXX, I was working full time, with the hopes of starting a small business. I was offered a {$10000.00} loan from Avant, but ended up losing my job & having some additional issues that caused me to not be able to maintain the payments on my loan. Upon realizing that I would not be able to maintain the payments I contacted Avant via their website and explained my situation, I attempted to create a deal that I could maintain while I got back on my feet & received no response. With no money and no income I ended up defaulting on a loan. This was over the course of 6 months. From losing my job in early XX/XX/XXXX, to defaulting in XX/XX/XXXX. The credit score that I had built up over time was destroyed. I have since built my score up to XXXX, but the late payments on my report are negatively affecting my score. I have current accounts, that have been in good standing for over XXXX years as well as maintained a Car loan for the last XXXX months, which is a higher monthly payment than what I was paying with XXXX.
01/15/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CT 06320	Web
The interest rate on loan with Avant Credit was not disclosed at time of application/loan approval. I applied for a loan on or about XXXX of 2015, the terms such as high interest rate were not disclosed at time of application, Avant rep ( s ) claim otherwise. This might be due to a technical issue, my computer screen was not working properly at the time. I have since purchased a new PC. They are charging an extremely high rate of 35.94 %, this was not disclosed at the time or did not appear on my screen. Their rep, XXXX XXXX, defended the rate and claimed to have screen shots showing what appeared on my end, There is no way he has screen shots showing what was on my computer at time of application/approval. He can only show what they supposedly sent over on their end. Complaints were filed with XXXX XXXX XXXX XXXX, XXXX in Illinois, FDIC, XXXX in Illinois. The matter is still unresolved, XXXX XXXX as well as other Avant reps were advised payments on loan will cease until rate is lowered, they will not budge.
01/25/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77532	Web	Servicemember
I am a XXXX XXXX veteran and have been called to XXXX XXXX with the XXXX XXXX XXXX for a period of at least six months. Because this period of XXXX XXXX will exceed 30 days, I contacted all financial institutions I have credit accounts with to request my protections under the XXXX XXXX XXXX XXXX. I had no problem receiving these protections from any financial institution I do business with, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. Avant gave me constant pushback about my documentation. I provided exactly what the XXXX provided me, letting me know I report for XXXX XXXX to XXXX XXXX on XX/XX/2021 through at least XX/XX/2021 and then to XXXX XXXX after that. I provided my XXXX ID. XXXX constantly wouldn't answer my requests for days and then would send canned responses saying my documentation straight from the XXXX is not good enough, even though it clearly states exactly when I am to report and for what reasons. I have never been treated like this by another financial institution.
08/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NJ 074XX	Web
My monthly payment for XX/XX/XXXX was due on XX/XX/XXXX. On XX/XX/XXXX I sent in a request asking for my payment to be deferred to the end of my loan. I received an email response on XX/XX/XXXX explaining the terms of doing such an action and that if I wanted to proceed I needed to reply back as it was time sensitive. I did as directed. On XX/XX/XXXX my account was debited for the amount that was agreed to be moved to the end of my loan. I sent multiple emails asking why the agreed upon direction was not followed. On XX/XX/XXXX I received a response back saying the request was being sent to the appropriate department for review. Email responses ceased until XX/XX/XXXX when I received the same " sent to the appropriate team for review '' response. It has now been two weeks, no resolution, and customer service has again stopped responding. I have over 20 emails regarding this situation as well as multiple daily phone calls that go unanswered. I want my money refunded per the agreement we had in writing.
06/21/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	OH 435XX	Web
Today, XX/XX/2019, my payment was taken out of my account twice. So instead of taking {$220.00}, they have taken {$440.00}. I have called the company at least eight times. Twice, holding for longer than 20 minutes and never speaking to anyone, the rest of the time receiving a message saying user not available. I have also emailed the company twice today asking for a call or for them to fix the double post. Their double pull has caused my bank account to go negative and they have taken my money that was meant to pay my other bills, so those will be late as well. It seems as though they are avoiding issues as all of my contact has been made within their business hours. I will now be getting late fees for my other bills and overdraft fees from my bank. I read today that the FTC has sued them previously due to customer payment issues and I think there should be a way that customers can get out of this loan without penalty and move it to a bank or credit union and this lender should be shut down.
09/08/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60014	Web
After having to retire early for my health, my husband and I had to take out a loan from AVANT to make it while I 'm waiting on SSA. Since we planned on paying it off it large payments we chose a loan company that advertised " no pre payment penalty ''. AVANT neglected to tell us that it must be done in XXXX lump sum. I paid {$2800.00} in the past month and only {$380.00} went to the principle. Apparently AVANT does tell you, just not in terms a lay person understands. I SPECIFICALLY asked if I could pay the loan in large payment to avoid the interest. AVANT completely reassured me I had no worries. To date we have paid about {$10000.00} on a {$20000.00} loan and our buy out from AVANT is just under {$18000.00}!! And unless I get a lump sum from somewhere else there is n't anything I can do. I asked AVANT the right questions, AVANT purposefully answered in half truths. I totally feel lied to, mislead, and scammed. Is this predatory lending? Is this legal? Is there anything I can do?
06/12/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	MD 21061	Web
I started a personal loan with Avant on XXXX / XXXX / XXXX with Monthly payments of {$500.00}. On XXXX / XXXX / XXXX I contact avant and let them know I have had a loss in income and large amounts of medical bills and I was given a payment plan to reduce my monthly payment to {$370.00}. I was informed that there was a grace period of 10 days with meant my payments are due on the XXXX of each month. On XXXX / XXXX / XXXX I made an online ACH payment but since it was the weekend I was told they are considering my payment late and removed me from the agreed payment plan. I was never instructed that weekends do not count as payment dates and now I am told that I do not qualify for any payment agreements and its my fault that I defaulted on the payment plan. They now are showing that my payment is past due that will potentially jeopardize my credit rating. They are also saying I have to come up with {$500.00} in 7 days and then {$500.00} for the remainder of the loan terms.
12/24/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 90260	Web
I had a loan with this company for 28 months. I was told I could apply for a refinancing loan. I had made all 28 payments on time. I applied for a refinance loan on XX/XX/XXXX. I signed my signature to get this loan on XX/XX/XXXX. They told me that I shouldHave a final decision in 24 hours I called every day .The represented told me they was going to make a decision. I talked to manager I was told the same information. On XX/XX/XXXX I received a message that my loan application had expired and I was invited to reapply for this loan. This process was not done in 24 hours. I waited until I made my next payment. I made my next payment on XX/XX/XXXX and I was told by one of Avant representative that I could reapply at that day and I wouldnt have to send anything more information from my bank statement.He said the information I sent it could be used. I reapplyed and the company denied me. my refinance loan in minutes. The time I apply my credit score was XXXX.
03/22/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NY 119XX	Web	Servicemember
Today I called Avant Inc to make an interest only payment, I was told that a portion of my payment had to go to the daily interest that accrued from my last payment to today. I told the rep that I did n't want any of this payment going to interest. The rep told me that is the policy and it ca n't be changed. The rep said if I wanted to not accrue any interest when I wanted to make an interest only payment, I must make the payment on the day that my regular payment is due. Also I was told there is a limit of how much additional principal I could pay each month with my credit card. In the loan agreement is says I could make additional payments by paper check, money order, debit card, or credit card, but nowhere does it say there is a limit of how much could be paid with any of these forms of payment. They are forcing me to pay interest I 'm trying to avoid. Their policy will make me take longer to payoff the loan, resulting in unnecessary interest payments.
01/29/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 344XX	Web
I received a preapproval offer in the mail from Avant. I decided to apply online with the preapproval code they gave me and was informed based on my credit ( they pulled online during application process ) I was approved for XXXX. I did not need XXXX but applied for XXXX instead. They asked me for my personal bank account information such as account number and routing number. I thought this was a bit odd but I complied. For the next several days the website informed me that my documentation was in process. I received several phone calls from them asking me the same questions ad nauseum. I found this a bit unprofessional and lends to my reason for filing this report. This morning I received a denial. I 've been denied before, but I am a little concerned when a bank asks me pertinent information with regard to me bank account without actually approving me. I am inquiring as to whether or not this is a standard banking practice. If not, what are my options.
10/04/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90802	Web
Dear CFBP : At the end of last year I was on XXXX and I was unable to pay my Avant bill on time. After I came off XXXX, I made payment arrangements with the company to cure the past due balance. During this time, I was making double payments each month, 1 payment to cure the past due balance and another to pay the arrears starting in XXXX. During this time I noticed that they were reporting wrong. I have made numerous calls and I 'm pretty frustrated with how my accounts are being reported to the credit bureaus. As of today, I should only be {$100.00} past due on XXXX account. ( Which I just paid today ) When I look at my account is says that but when I pulled my credit report is says that the last reporting date is XXXX 2016 and that I 'm {$10.00} past due and 90 days late. How could this be? I need a full payment breakdown that include past due status. For some reason Avant 's credit reporting is n't matching with my online account.
07/22/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 33607	Web
On XX/XX/2018 after loan offered by Avant, Inc . I filed an electronic application. I selected their offer available in their website for a loan of XXXX with a repayment plan of 24 months. On XX/XX/XXXX they sent me the contract documents ready for me to sign, however, instead of 24 month payment plan, they wrote the contract for 48 months claiming the 24 month was no longer available in my state??? If their website had such offer, they will have to honor it. I phoned twice and spoke to two different supervisors who will not approve the contract as originally offered. ( 24 months ) Today XX/XX/XXXX. I called their office as they requested me to do, and this time they came up with a new offer never requested before by me? Avant is willing to lend me {$7500.00} with a repayment plan of 36 months? I never requested this amount or terms. I am hereby demanding the original request of XXXX to be contracted for the 24 month originally offered.
01/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OH 447XX	Web	Older American, Servicemember
On XX/XX/XXXX, I was advised by XXXX XXXX and the VA , that I had to payoff the loan that I had through XXXX XXXX XXXX in order for the loan to go through. I contacted Avant to get payoff on Friday, XX/XX/XXXX and they gave me the amount of {$3600.00}. At that time I advised the authorized to draw the funds from my bank account. Little did I know at the time, they only drew out {$3500.00}, which was short one payment off {$140.00}. On XX/XX/XXXX, they contacted me and advised that I was late on my payment. I contacted them to advised that I had payed the loan off. They in turn said that I had not. We have gone back and fourth and they still claim that I still owe them. They have already contacted the three credit bureaus and left me with a low credit score. I contacted the Attorney General of the State of Ohio, and they advised that it was a predatory loan, but could not do anything because they need more complains in order to file.
08/14/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	OH 43082	Web	Servicemember
They advertised on their website that I could take a look at lowering the interest rate & payment on existing loan with them. They imply that no " credit inquiry '' would be done, did not go through with their proposal since it did n't save me any money. Later, I was advised by a credit monitoring tool that I had an inquiry that has adversely impacted my credit score. I was able to discover that this was from AVANT. I immediately contact Avant @ ( XXXX ) XXXX and spoke with their Customer Service Dept. They apologized, and after receiving my name, telephone number, date of birth, and last XXXX of my social security number told me to email their compliance department ( I emailed them also on XXXX/XXXX/2016 ), even though it was not my error to correct ). I believe this action by AVANT is a " DECEPTIVE LENDING PRACTICE, '' and want the inquiry removed from my credit history, and from all credit reporting agencies.
03/15/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MO 65804	Web
AVANT LOANS : This company does not allow you to update your bank information online in order to pay the loan. They require undue burden of mailing in a voided check which could cause problems with the old checking account and unnecessary fees for returned items. They also do not allow you to update your address online - it must be through mail or fax. I wanted to pay additional money on my account toward principal. This company does not allow that and requires that interest and fees are paid first - even if you have made your regular monthly payment. I asked what amount of my payment would go toward the principal and they REFUSED to answer unless the payment was made. there are no payment tables, no customer support regarding early payoff totals - nothing. Address is absolutely not found or VERY difficult to find on website. Contact Us takes you to a form - you fill it out and hope someone gets back to you.
06/21/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	ME 043XX	Web
I received a letter from Avant informing me that I was pre-approved for a loan in an amount between : {$1000.00} and {$25000.00}. I logged into the company 's website to check my rate as instructed. When I did so, I was immediately declined without reason. Moments later I received an email titled " Notice of Adverse Action '' from Avant, informing me I was denied. Additionally, I was told to contact the Application Review Manager at XXXX XXXX Avant to request a reson for the denial. Lastly, the company informed me that they obtained my credit information from XXXX, the basis on which they made their decision. Why did Avant decline my loan request after notifying me four different times in their unsolicited letter that I was pre-approved? Why was I not informed that the loan was provided by XXXX? Why did the company run my credit report, when I was told at the outset that my credit report would not be affected?
12/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OK 745XX	Web
On XX/XX/XXXX I sent my original dispute to Avant credit card through XXXX XXXX for an unauthorized account being opened in my name. I've been XXXX at XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX since XX/XX/XXXX. And I given this company the opportunity to resolve my issues I've sent everything company everything it has asked for except a police Report, I've advised this company that I can not get no police report or even file one because I'm still presently, currently still XXXX in a XXXX XXXX, will be so until I discharge my XXXX XXXX. Under normal situations I can understand this being needed but due to my being XXXX can very well been resolved by calling the XXXX XXXX XXXX XXXX records office, providing my name XXXX XXXX # XXXX XXXX number, ask when did I start my XXXX which was XX/XX/XXXX which could have been easily verified, would've shown it was impossible for me to have opened this account.
04/14/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MI 48174	Web	Older American
I borrowed {$9800.00} fro m Avant and it turns out the interest rate is predatory at 33.95 %. I called to ask for an interest rate reduction. I was given the standard " you agreed to the terms '' speech, but as I remember, it came in pieces and I did not see the entire contract until the transaction was completed and the money had been deposited into my account. My complaint was escalated to the compliance department which can only be reached by email so do not have any faith my interest rate will be lowered or that I will be contacted in the stated 20-day time frame. My credit rating is fair and I did expect an elevated interest rate but this is usury. I would like to warn anyone with a fa ir credit score co nsidering using Avant for a loan to ask what the interest rate will be because I do n't remember getting the contract before the money was deposited into my account.
08/14/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IL 60647	Web
On XX/XX/XXXX, the state of Illinois shut down due to covid. I work two jobs, both of which were affected. Originally, the quarantine was to be 2 weeks. Unfortunately it was extended many months. This affected my ability to pay the last installment of this loan. I contacted the lender requesting a deferment. The lender advised me that a deferment was not available to me as this was my last payment. However, a deferment was available to other borrowers. This is absolute unfair practice. My payment history was perfect until this last payment. This lender 's policy caused my credit to be affected. Covid was beyond my control. I feel this company is predatory. The CARES act requires lenders to report current when accommodations are made. In order to practice fairly, customers with one payment left should not be discriminated against. We were all affected by this pandemic.
02/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33014	Web
Hello, I have an account with AvantXXXX XXXX and I was recently a victim of fraud I was pronounced Deceased on XX/XX/2020 and someone wanted to file a death claim under my name ... That has since been corrected but however Avant the credit card company Closed my Account and Charged it Off, I have called them several times to tell them to please reopen my account that this was NOT my fault and it's ruining my credit which I try so hard to keep in good standings. On XXXX Credit bureau it shows up as a Charge Off and that is bad for my credit ... And Avant won't work with me to take it off ... Every time I call them they tell me they will send me and email or call me about this and they don't I have been trying to fix this issue with them since XXXX and still nothing.. Please help me resolve this issue before it ruins my credit, Thanks so very much.
02/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23225	Web
I received alert from XXXX XXXX of an inquiry from XXXX, Avant and XXXX bank dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from XXXX and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA XXXX
06/19/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32259	Web
I paid off this loan at least a year ago and I was looking at my credit but noticed this loan had a balance which it shouldnt I log in to my account it says I have a balance due now when before it said nothing was due. I paid them over 8k and paid on time and paid off the loan. I called them and asked them where this new balance came from. They claim it was from me extending one of the payments during my loan period. My question is why did it take a year to all of a sudden pop up on my account when I paid off the loan. And furthermore I have not received a single piece of correspondence from them saying I owed anything not a phone all or email or a letter. Something is not right with this. Seems very shady I asked them to waive the fees due to how this was handled and they really dropped the ball they were rude about it and are refusing.
11/23/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	AZ XXXXX	Web	Servicemember
I applied for Avant Credit Card around XX/XX/2018 and I was approved. I called Avant to add mailing address and I was told they can't mail to US PO Box so fast forward two months later I still never revived the card at my physical address. I finally called to cancel the credit card. My understand under the US Patriot act credit card companies are required to have verified physical address on file when a customer applies for a loan or credit card however customers can use a US Post Office Box as mailing address. Avant is only company in the country that does not mail to US PO Boxes and I feel they should not be allowed to offer credit cards to any customers at all till they update their ridiculous policy and allow mail to go US PO Boxes. I will never do business again with Avant I just want to offer my feedback to warn other customers.
01/03/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AL 350XX	Web
I have an account with XXXX XXXX and was told I was preapproved for {$11000.00} for a loan with Avant XXXX. It said it would do a " soft '' hit on Credit just to see if I was approved and OF COURSE, I was approved. So I go on to the next part which basically is getting all your banking info, because you have already been approved ( lie ), including my acct number and also access to my account. Sent in all documentation needed and 2 hours later I am told it took an " adverse '' action- basically rejecting it. I feel extremely violated and scared now that my account will become compromised by Avant or anyone else they sell my info to. It is n't about being rejected. I am a XXXX year old woman. I am concerned greatly because of all the information that was shared and how " preapproval '' is just another word for " bait and switch ''.
09/29/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 21044	Web
The interest rate is 35 %. At the beginning of the loan I was not told that the interest rate would be this high. As a matter of fact the advertisement said that the rate would be around 6 %. They changed the terms of the loan which they called restructuring of the loan to change the payment and they never honored the new payment of {$100.00} a month. I have paid for about 7 payments of this loan on this and still own the same amount as when I started out. About 3 months ago when I had to change accounts or method of payment they would not let me change checking accounts to make my monthly payments. The fees are out outrageous. They are already gouging me at a rate of 35 % interest plus bogus fees attached to late payments. Predatory lending practices at best. Customer # XXXX Loan Id. XXXX Avant 's Contact Info. XXXX Thank You
11/02/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 78247	Web	Servicemember
Avant, Inc. who I have a personal loan with improperly submitted information to the credit reporting agency stating I was 30 days past due on a payment. I was never notified that the company was contemplating placing the account in a late status which is in direct violation of the Fair Credit Reporting Act. This regulation states that I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be included in a billing statement or a notice of default. I was never contacted by this company prior to this information being reported to the credit reporting agency. For clarification purposes, this complaint is against Avant, Inc. and the information this company inappropriately and erroneously sent to the credit reporting agency.
02/06/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	NC 27610	Web
I asked to have the loan cancelled and I was charged an administrative fee of XXXX, that I was not aware of. They approved the loan with the copy of the contract attached and would not let me cancel the loan. The customer service & management is horrible. The agents are very smart mouth and sassy. Customers are not valued. I talked with a young man of XXXX origin by the name of XXXX, he was the supervisor, his attitude was not friendly & very sassy. I spoke with a young lady before asking for the supervisor, and she also very sassy. The supervisor would not give me the name or number to his boss. The Avant XXXX XXXX XXXX page does not allow you to leave bad reviews. We are also unable to leave comments on their personal web page. The company does not communicate well and it is difficult to get the help you need.
08/02/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	VA 22193	Web
When I applied and opened my loan with Avant Credit it was for a line of credit. I received approval for a {$12000.00} line of credit and have an email describing my loan details. Shortly, thereafter they indicated I was approved for a lesser amount {$11000.00}. I did n't care about the {$600.00} difference. A few months into the loan, they advised they were changing my line of credit to a normal installment loan. They indicated the terms of the line of credit allowed this change without my consent. What bothers me the most since this change, is that my monthly payments keep increasing even though I am paying the minimum amount with no further loan withdraws or charges to the account. I do n't understand how the monthly payment is not decreasing on this type of loan and Avant Credit ca n't explain it it me either.
11/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL XXXXX	Web
I contacted Avant in the past concerning the accuracy of the information that they was provided to XXXX XXXX and XXXX. I had received little communication and very few documents from them. On XX/XX/2020 and XX/XX/2020 I contacted Avant to validate this account via certified mail. Avant recently sent me a letter that states that another company originated the account and that they only serviced the account in which they do not own. Avant provided me with a document that clearly shows no signature Avant violated The Fair Credit Reporting Act and The Fair Debt Collection practices by not placing the required disclosure that this account was in dispute they didn't do it in 30 days and they didn't do it in 60 days. Avant has also failed to validate this account which is a requirement of the Fair Credit Reporting act.
06/30/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KS 66605	Web	Servicemember
I received a notice of a debt owed in the amount of {$310.00} to Avant llc, whom was included in my chapter XXXX filing and discharge. I contacted the creditor by phone on XX/XX/2020 upon receiving notice of this alleged debt via mail and the representatives threatened to send law enforcement agents to my residents to arrest me if I did not pay this debt. I feel that I should be protected under federal bankruptcy laws and this creditor should be held liable and punished for contacting me in regards to this debt that was discharged on XX/XX/2020. I also believe this company is selling American 's personal information to terrorist groups that reside in XXXX XXXX and XXXX XXXX territorial regions which has subsequently led me to file a complaint with the financial crimes division at the Dept. of Homeland Security.
08/03/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OH 44052	Web
Back in XXXX i made 2 payments to Avant. The payment on XX/XX/XXXX has their reference number of XXXX for XXXX and the payment for XX/XX/XXXX has their reference number of XXXX. They are saying i missed a payment in XXXX. At the billing cycle ending XX/XX/XXXX my balance was XXXX. I made the XXXX payment on XX/XX/XXXX with my balance showing XXXX. I get a statement in XXXX saying i have a XXXX balance, The XXXX statement is saying there is a payment adjustment for XXXX so i have a new balance of XXXX. I called and they said they never got a payment for XXXX again but it clearly states i did with thier reference numbers and it was taken out of my bank. I emailed them for the situation and again they said they never received the payment. I refuse to pay when i have statements saying my balance is XXXX
02/22/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 30157	Web
Paid bill 2 weeks in advanced but they processed bill a week after due date, causing it to appear as though I was late. Moreover, now they send out bills within a couple of days of due date. This has affected my credit greatly and making it appear as though I'm late constantly! In trying to tell them that they're sending out bills late, Rep. Informed me that its not their fault about the US Mail. So I asked, why is it that the same courtesy is not afforded to me, as she stated that my payment may have gotten late because of US Mail. Rep. stated its not their responsibility to check for mail. This is ridiculous, they want to be absolved from sending out late payments while charging me for the same thing they are forgiving themselves for. Moreover, my payment was never late as it was not process promptly.
07/14/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	GA 30004	Web
I have had this loan sin XXXX XXXX , 2015 over two years paid the loam on time. I ran in to difficulty in the last few months. I was offered a payment arrangement by Avant however I ask do not direct draft my account. They set up the payment arrangement one time it 'go through I had to wait over 30 days for the support dept to resolve the issue then they cancelled it and created an additional one. Same situation the direct draft which I request they not do. That one was cancelled. I complained asked for management told it was forwarded to support. I was told they would call me back. Today I was notified it has been report 120 days late. This I believe an attempt to use the credit reporting agencies to harassment in paying this debt. There has been no other communication in writing or phone calls.
08/29/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	IL 60629	Web	Servicemember
I sent countless of forms of correspondence to credit bureaus and to Avant that this account is not mines. This account was open in XXXX and closed in XXXX. I have been battling this issue for years. I have requested documents to proved this accounts belongs to me and they only provided a billing statement. I requested signed documents requesting this accounts to be open and Avant provided a billing statement. I requested identification of the person who open this account, so I can filed a proper non emergency police report and Avant once again provided a billing statement. To make matters, since XXXX they have be reporting on closed unauthorized account damaging my credit scores. When I sought out legal advice, I was informed to place a complaint with CFPB, before administratively moving forward.
07/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 78258	Web
Hello, I am writing this complain because Avant denied my application for a loan with them for the simple reason that they " couldn't verify my identity ''. This is the explanation they give me with no explanation on why they didn't request more documentation showing my identity. I feel they discriminated against me because of my name, ( XXXX ). I contact them several times to explain how come they didn't ask for more information but their customer support wasn't helpful at all. They only gave me two options, either wait for another 30 days to see what their resolution department will respond or re-apply for the loan. This is not acceptable. My resolution is for speak with real person about this situation. Their process and customer support is the worst I have experience in my life time.
05/15/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	TX 75019	Web
I was at XXXX and buying breakfast for my XXXX daughters 's the total came to be XXXX $ The credit card has {$19.00} in credit so I assumed that since you have the credit you can use it, Well Guess not. They declined the transaction cause I missed my due date by two days??? Even though I scheduled the online payment. Keep in mind I never missed a payment. In any credit card there is a grace period!! and in what law that you have a credit on your CREDIT card but you can not use it!!! I talked to XXXX and he literally did not give a XXXX about what I had to say. all that he kept saying I will get your complaint to our escalation team. The emotional stress that I had to go through is priceless. Where in the world you can not use your credit if you have it on your credit card????
03/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92584	Web
I contacted Avant Financial on XX/XX/2017 and ask for a pay off of my loan, they gave me a pay off of XXXX if paid in full before XX/XX/XXXX. On XX/XX/XXXX I mail a cashier check in the full amount, they credit my account on XX/XX/XXXX. and still debit my account on XX/XX/XXXX. I notice the transaction and contacted Avant and spoken to the Supervisor name XXXX on XX/XX/2017. and explain the situation and ask them to refund my funds, they said they have to conduct an investigation which will take about 10 days. I demanded my refund immediately. They will not send my funds for two weeks, which put my account in a negative status. I paid this account in full as stated by them. I have documents from them giving me the full pay off. They made an unauthorized debit from my account.
12/19/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31069	Web	Servicemember
I took out a personal loan with Avant, first of all they are loan sharks charging me 30 % interest. I am a single mother and XXXX veteran who had several XXXX resulting from my military service. This resulted in medical bills and me having to take unpaid leave from work.I had made payment arrangements with avant to lower my payment for 6 monthsI had changed my bank account however, avant continued to charge the old account and not the new XXXX. One day I get an email stating my account is {$2000.00} past due and another day its {$3000.00}. I am trying to pay this off but Avant wont work with me and they are destroying my credit ;. I am moving for a better paying job shortly but because of this I am unsure if I will be able to secure housing for my XXXX XXXX XXXX son and myself.
04/10/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78596	Web
I took a loan with Avant online. The amount was {$20000.00} and the payment was {$840.00} a month. The interest over 35 %. At the time I thought I could handle it but I have come to a point that I can not. I knew the interest was high but where else could I get a loan? no where. I have paid on it for 18months and paid over {$16000.00}. Only I am shown as having paid {$5000.00} to principal. The interest will be way over {$28000.00}. I ask if they could lower the payment of the interest. They told me they could lower it to {$640.00} a month. That does n't really help. I do n't understand how they can charge such a large interest rate. How could I ever pay it off and what will they do to me? I know other loan companies have gotten in to trouble with interest rates like that.
09/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 317XX	Web
I was checking my credit score on XXXX XXXX onXX/XX/2018 and saw a link that said 'See if you are pre-qualified for a personal loan. This will not effect your credit score. ' I clicked on the link and saw the offers and did not proceed. Few hours later, I get an email from Avant Personal Loan ( XXXX ) with the creditor name : XXXX XXXX XXXX XXXX XXXX XXXX, AL, XXXX ; stating that my loan application has been denied and that my report was pulled from XXXX. I have not sent in any application to the above mentioned creditor, nor have I consented to my credit record being pulled for any loans. I have never planned to get a loan from Avant Loans cause I did not even know that company existed. I have sent a mail to the support email for Avant Loans sand is waiting for a reply.
08/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NC 284XX	Web
I received an email about my loan application with Avant. I advised them I did not request a loan and they send me to their fraud department advising me to take all sorts of legal actions to prevent any unauthorized access, including a police report. I refused to do this action since it was a failure on their part to identify a fraudulent application. Their failure to properly identify and cancel the loan request has put me in risk for identity theft. I continue to receive emails to complete my loan application even after I alerted them to this activity. I am asking CFPB to look into this matter as well as the loan application process from Avant as they do no that the customer in mind and are only looking to process this loan request to boost their own bottom line.
01/28/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	MI 48060	Web
Applied for credit card with www.Avant.com website showed annual fee of XXXX dollars. After pulling my credit and giving me a hard inquiry approved me but with a XXXX dollar annual fee. Not that big of deal but when I contacted support through email they directed me to the 1800 support and after contacting them they just kept repeating that my annual fee is XXXX dollars regardless of what their website showed. Contacted email support again to tell them the issue was not resolved and was once again directed to 1800 support to be told again that the website saying it's XXXX dollars is not relevant to my XXXX dollar fee. This seems like false advertising to me as the only time XXXX dollars was shown to me was after I gave approval for the hard pull on my credit.
03/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48203	Web
I have received a response from Avant an account on my credit report. Ill attach the documents that they sent me ; I asked for proof on a original signed contract with my signature. The letter Avant sent me was stating I called and opened up an account give me verification that I did that. My information was stolen and multiple accounts were open without my knowledge, this is hurting my credit. It was no information about how they did their investigation. According to Section 609 of the FCRA you have to provide the proper documentation. Show me verification, show my signature on a contract or let me her my voice saying yes this is XXXX no Ill keep fighting to exercise my rights until something is done. Ill keep fighting for all consumers all over the world.
12/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NM 87124	Web	Servicemember
Received a loan XX/XX/XXXX in the amount of {$7500.00}. Had to do an electronic fund transfer payment method only. When the funds were not available for that amount, I was charged a fee from them and a {$29.00} fee with my bank. The would do an eft up to three times causing additonal fees with my bank. By the time the funds were available the overdraft fees incurred by them would consume my paycheck, leaving me unable to pay other bills. I have seen a FTC settlement due to these exact things happening to me. The FTC Case is XXXX filed XX/XX/XXXX. I defaulted on my loan and it was charged off XX/XX/XXXX. I am now being sued by XXXX XXXX XXXX, XXXX for the account. The case number is XXXX. I haven't heard from the FTC and now will be fighting a new company.
12/13/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	KY 40403	Web
I had a loan with this company in XXXX of XXXX ( Loan # XXXX XXXX. I paid it off, in full, on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, they continued to take an additional payment out of my account. I immediately contacted them and requested a refund. I was told it would arrive within 10 business days. That did not occur. I then contacted them starting XXXX/XXXX/XXXX to again request my refund. I have called every day since then and have been given the run-around. They have acknowledged, multiple times, that I 'm entitled to the refund. I 'm told different dates to expect the refund, always pushed back further each time I call. I 'm consistently told it is being handled by the resolution department, and they claim they have no way to contact that department.
08/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75044	Web
I unfortunately was a victim of identity theft. On XX/XX/XXXX a total of 6 unauthorized requests for credit was made in my name to a number of different online lenders. Gladly no fraudulent accounts were ultimately opened from this attempt. I have successfully removed all credit inquiries from my credit report except for the 2 companies outlined below. Both companies will not respond when contacting their fraud group and requesting status of the inquiry removal. I have supplied all the information they indicated as required to resolve this issue. I originally reported these concerns to the companies below in XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
01/29/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 34952	Web
I am suffering from identity theft. Somebody applied for a card in my name. I took the proper steps to dispute it with their internal fraud department, including back-and-forth fax and postal mail correspondence. The account disappeared from my credit reports for a while. Now, it's back, with late fees. Mind you, the ONLY charge on this account, ever, was the annual fee they assessed. Bow, there are late fees and interest accumulating ontop of the annual fee. Their customer service only ever says to email them, which I do, and I get an automated generic thank you response. I had their affidavit signed and notarized twice now. My credit score is severely suffering from a fraudulent account they seem to refuse to help me resolve since four months ago.
04/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 547XX	Web
XXXX has inaccurate info on my credit report from Avant Credit and has not removed it, my dispute was initially file XX/XX/2016. I had permission from Avant to miss one payment, then I had to re-sign a repayment agreement with them ( which they added {$1000.00} to the loan ) and it was supposed to remove any negative info. XXXX has corrected the info, XXXX has not and after being on hold with them twice for a total of 30 minutes today waiting to talk to a stat side supervisor ( which never happened ) I am filing a complaint. They show XXXX missed payments with a credit score of XXXX, XXXX score XXXX. I have already missed out on a job opportunity because of this and pay higher car insurance premiums. This needs to bbe corrected immediately!
06/02/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 618XX	Web
i received offer from 'Avant ' in the mail, for a loan. took {$4500.00} loan, terms were for 3 years, $ XXXX/mo. payments. After 12 mos. I wanted to pay it off. I had paid a total of {$2200.00}. They demanded {$3400.00} for a payoff amount. I wanted to clear up the bill, and that was the only way. The balance would have been {$2200.00}. They charged me an extra {$1100.00} to pay it off. They stated when I talked to them that my rate was 28.4 %. This makes it over 50 %. I know it was n't a great idea to get a loan under these circumstances, but needed the money at that time, and figured I could get it paid off within a year. They basically kept {$1100.00} interest during first 12 months ( said I had only paid {$1100.00} towards principle )
02/08/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NJ XXXXX	Web
The company responded to the CFPB ( Consumer Financial Protection Bureau ) through complaint number XXXX with a letter dated XX/XX/, 2019, after the long scripted letter, they claim to have identified an " isolated process issue ''. It is claimed that they credited the closed account the {$2.00} overcharge mistake in which they made. Three days later this never happened. In fact, it is unbelievable that someone has to jump through so many hoops to have this shady company fix a rather minor issue. I invite the CFPB to do an audit, as I am most sure that I am not the only individual that this happens to, obviously, this shady company is banking on the notion that customers won't take the time or effort to fix the errors in which they make.
08/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07203	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
01/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46322	Web
Hello, I applied for and was given a loan of XXXX in XX/XX/XXXX with Avant , LLC. The rates and terms were better than hard money lenders I had come across while looking for funds to complete a rehab after running out of cash. My credit is NOT bad as I have PERFECT repayment history, low balances, and a good mix of creditors. I paid this loan off in 8 months, on XX/XX/XXXX. This company falsely reported my XX/XX/XXXX and XX/XX/XXXX payments as late which is absolutely incorrect, costing me 34 points on my credit due to some sort of computer glitch. Of course, there is no one that I can speak to that is able to solve this matter expeditiously. I am currently working with a bank to purchase a house and this has set me back horribly.
05/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95112	Web
The creditor Avant is reporting my account with them as included in bankruptcy. I believe this is a violation of the law since the account and all reporting was stopped as of XX/XX/2014. Adding a negative remark once in bankruptcy is a violation of the bankruptcy laws for reporting of creditors to the credit bureau. I also asked for proof of this being my account since I have had multiple accounts that were paid in full and they have refused to send me a signed contract as proof this is a different account and not a duplication of one of the paid accounts I have had with them. There payments made according to the credit report but the paperwork sent to me shows the payment schedule but no payments received by them. Thank you
08/03/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AZ 85044	Web
Avant quoted me a payoff and I sent that amount thinking the loan was paid off. Over a year later I learned that the account was not paid off because they quoted my the wrong amount. Once I found out, I called them and requested an explanation. I was sent to a resolution department who never responded to my request. Later I tried again was told that I should have known to make another payment after I sent the payoff. I do n't know why I would be expected to know this information. When you request a " payoff '', the amount quoted should be the amount to pay and close the account. Their unethical business practice has now led to over {$500.00} in additional interest. I do n't feel I should have to pay this as I did nothing wrong.
04/27/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NV 89148	Web
My account online shows my last payment was scheduled for XX/XX/XXXX and I went to pay it off early ( XX/XX/2020 ) only to be informed that the amount due does not go along with what I originally signed on the contract. I signed a contract for a certain amount and even though I requested ( over a 6 year period ) to have two payments moved to back of loan, they never stated additional interest would be charged. I have to pay an additional XXXX because of the two deferments. That state thats the interest of the two I added to the back of the loan. This is a Complete rip off. The interest was equivalent to another monthly payment. There is nothing in writing they said it was a verbal agreement that I would pay the extra?????!??
03/03/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60613	Web
Good evening, I am contacting you all to dispute the Avant Account, now handled by XXXX XXXX XXXX Ref # XXXX. I do not own this account. According to XXXX, the account was open in XX/XX/XXXX and the last payment was made on XX/XX/XXXX. I am not the owner of this account and should not owe {$5700.00} to Avant XXXX XXXX or XXXX XXXX. Supposedly, I received a court date and was sued by a previous company Avant sold the account. I currently have a fraud alert on my credit report. My police report number is Deceptive Practice Financial Identity Theft over {$300.00} # XXXX. If you all have any further questions contact me at XXXX. I attached the form I received yesterday XX/XX/XXXX. Thank you. Best Regards, XXXX XXXX XXXX
07/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80528	Web
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake. This account has since been closed but it is still affecting my credit.
10/14/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30083	Web	Older American
Received a loan from Avant Credit loan. Was not told what my interest. The loan was for XXXX with an interest of 35.90 % of {$190.00} a monthe. 1 year later after a years of payment and balance was still high,. I called the company and found our that when loan is paid in full I would have paid XXXX back, so now I wanted to send in extra money only to find that interest will be taken out. I have had loan and credit cards in the past and when seding in extra money, it went to the princple, rhis company does not do that. feel that I have been jitped. This is too much money to pay back, at XXXX years old makes me want to check in on bankruptcy or kust refuse to pay anymore money ... Thank you much for any help or advice.
12/13/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NJ 080XX	Web	Servicemember
I have an installment loan with Avant Credit. I have been unable to make my loan payments which are schedule to be automatically withdrawn from my account during the first week of the month. My problem is that Avant has made multiple attempts each month to withdrawl the loan payment which causes a Non sufficient funds funds fee with every attempt. The frequency of their attempts is increasing. This is turning a bad situation into a crippling event with each CHARGE from the withdrawal attempt. I did authorize Avant to withdrawal my loan payment once a month. However, I am unable to make the payment. Does this give them the right to make a withdrawal from my account anytime they feel like it. Can you please help me?
11/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	NY 127XX	Web
XX/XX/2019 I applied for a loan on Avant.com the issue that I have is they advertised its a soft credit check meaning it wouldnt effect my credit report at all they send me a email in XX/XX/XXXX that it ended up being a hard inquiry on my credit False advertising and messing up my credit score I been trying to contact them on multiple occasions Multiple emails I get we have received your inquiry thats all I get and nobody has gotten back to me as of yet this has been frustrating and stressful as well first off they lied and months later 8 months they finally notified me that they did that so I see this as an issue and I tried resolving this with them but now I rather go through you guys to see what can be done
03/28/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92881	Web	Older American
I have paid my installment loan of {$660.00} to Avant two weeks before my due date of the first of the month. I clearly note on my payment check indicating the due date which the payment is to applied. It has been Avant policy to not accept my payment for due date indicated on my check. Avant insist that the payment it receives is extra payment. Therefore, my account is past due which incurs monthly late payment charge. The Avant response that I received is there account system does n't recognize my early payment. I should call there office monthly to notify there customer service representative that I have mailed my payment early. I strong feel that Avant penalize me make early payments on my account.
11/13/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CT 06320	Web
I applied for and was approved for a loan with Avant Credit on or around XXXX of 2014. At time of approval, the interest rate/terms were not disclosed, nothing was signed on paper. Ive been making timely payments via their website and just noticed their interest rate of 35.9 % is unusually high. Because of this high rate, the payments I 've made thus far do not even reflect on balance owed, they go towards interest. Had I known about this prior, I would not have agreed to supposed terms, which were not disclosed at the time. This high interest rate is illegal in opinion and should be lowered. Please advise Avant Credit they need to lower my rate ASAP if they wish to continue seeing payments.
05/31/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	ID 838XX	Web
I was applying online for loans and I got an email saying that I was approved and it said from 2000 to {$5000.00} it gave me alone code I talk to somebody on the phone and gave them all of my banking information and he said that he they had to deposit money into my account and then I had descended back to them so they could verify my checking account and when I asked them if it was a scam he said it was not a scam and hung up on me and now every time I call the number it just disconnects they do not answer This happened today XX/XX/XXXX and about XXXX XXXX and it's They have not taken any money yet I wanted to report it I'm not sure if they will his name is XXXX XXXX phone XXXX
09/25/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 32256	Web	Servicemember
i applied for and was preapproved for {$500.00} on XX/XX/18. after verifying my identify by way facial recognition, providing my state issued drivers license and my bank statement for address verification, i was APPROVED and UNDERWRITTEN for {$500.00} credit limit. One week later, I received the card in the mail but never actually looked at it to verify any of the information. I activated my card and was able to use it one time for a transaction under {$35.00}. I checked the card and noticed it has my former last name, XXXX. I sent an email to XXXX to request my information be updated. Then randomly today, XX/XX/2018, I received an email stating my account has been closed.
05/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77494	Web	Servicemember
I have been making on-time payments to Avant since XX/XX/XXXX through auto pay from checking account. When COVID-19 affected me in XX/XX/XXXX, I requested Avant to stop auto-pay since I was severely affected but Avant still tried to process and take money form my bank account which did not have any money in it. I again contacted Avant and requested for a relief that was granted but Avant still reported late payment to credit reporting agencies. I contacted Avant and asked why they reported late payment to agencies, the rep said it was not reported late which was a lie. My credit score dropped by 72 points and my Department of Educations ' Parent Plus Loan was denied.
04/01/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60153	Web
I entered into a long term repayment agreement with Avant on XXXX/XXXX/XXXX and I made regular payments according to the schedule. Avant scheduled a payment for XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX ( the actual date I made the payment ) and then deactivated the payment plan. I tried since XXXX/XXXX/XXXX to get them to reinstate the payment plan but instead on XXXX/XXXX/XXXX they offered me a settlement for {$2500.00}. I accepted the settlement so that I could be through with Avant but they then reported that I missed a payment for XXXX XXXX and XXXX XXXX when that was not the case. They are also reporting that the account was charged off when it was settled.
06/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80239	Web	Older American
I tried rectifying the issue with Avant, but to avail. I asked Avent to put a payment at the end of the loan and was promised it would be done. It did not. There were no notes and they said they had an audio that never herd me ask to place the payment at the end. I do not trust them because the same issue almost happened to me again. I made arrangements XX/XX/XXXX and the XXXX to have payments taken out of my account. I was told no arrangement were listed they also tried to say nopayment was taken out of my account XX/XX/XXXX when in fact a payment was taken out but the XXXX payment was listed. I do not trust this company and they need to be on buyers beware list
09/18/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	CA 90260	Web
I took out a personal loan with this company Avant.This loan was a 36 month loan. On XX/XX/2018 I paid this loan off. Avant sent me a payoff notice. I was checking my credit report and Avant was reporting to all the three credit report agencies I still owe a payment reporting the month of XXXX. I contacted XXXX and disputed the information and told them this account has been paid in full. Avant has responded and they closers my account affecting my credit. They should have just reported that this account was paid in full. I made all of my payment They should let me report if I wanted this account close I feel they just tryed to mistreat me by reporting this
07/27/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CT XXXXX	Web
DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file. Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.
12/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 449XX	Web	Servicemember
An account was opened with Avant on XX/XX/2016. It then went delinquent and was sold to a debt collector. The debt has been paid at a higher amount and several other debt collectors are still attempting to collect. Avant- is still reporting the account on XXXX and is also being reported by other debt collectors. I have disputed this inaccurate information with the XXXX and it continues to be verified by Avant with inaccurate information to include ; date opened, date closed and delinquent information. I would appreciate if Avant would delete all information from XXXX as it has negatively impacted my credit score that then caused hardship in my life.
11/23/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 62234	Web
XX/XX/ I applied for a loan with Avant ( also earlier in the year ) and they continue denying my loans stating they can not verify my identity. I am XXXX years old and have had credit forever. I have talked to vast employees, managers and emailed their fraud department with no resolution. They continuously give me the exact same reason, unable to verify identity and refuse to work with me to resolve. This is not a fair practice as I work in the industry of credit at a mortgage company and have for years. We contact borrowers to provide documentation in this case. Not just deny the loan for a bogus reason. I want help in stopping this practice with them.
06/15/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	NJ 07801	Web
I recently within the past year came across some financial issues where I wasnt able to pay the majority of my bills. My credit card account with Avant was in perfect standing prior to my financial hardship, but once things got too bad for methe account became past due and was eventually charged off. Ive tried on multiple occasions to have this account updated, multiple disputes and they will not budge. Theyve charged an outrageous amount of fees when I stopped using the card long time ago. I am in the process of trying my best to pay back most of the things I owe and I can not afford to pay {$800.00} of a credit that originally had a {$500.00} limit!
03/01/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 32825	Web
I called in to tell Avant that I was unable to make payments since I am out of work. Though, I wanted to work to lower the interest and continue making payments when I found work. However, I called in to ask for help and four times ( on two different cell phones ) their agents hung up on me. They would not assist with lowering my monthly payment until I received another job and instead kept my ACH payment. I was forced to place a stop payment on my account to prevent them from over drafting it. Now they call me upwards of five times a day to try to get payment. It was already a predatory loan with 36 % interest, but this is getting ridiculous.
11/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75149	Web
Avant sent me this notification in XX/XX/XXXX that they filed an update for her account to the credit reporting agencies.This update reported Ms. XXXX account as settled in full as of XX/XX/XXXX, removing any and all negative reporting from XX/XX/XXXX through XX/XX/XXXX. Please be advised that the credit reporting agencies follow their own policies for updating credit reports and it may take a few days for this update to reflect on her credit report. As of XX/XX/XXXX that has yet to happen. My credit report is still showing this company on my report and it is still showing that it hasn't been update since XX/XX/XXXX.
11/23/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 146XX	Web
I received my new Avant charge card in late XXXX early XXXX. I activated card and the following month to my surprise I was billed for XXXX XXXX XXXX {$220.00} for a charge made on XX/XX/XXXX. I contacted Avant and a fraud investigation was opened. The charge was removed but was recently added back to my account stating that no fraudulent activity was found. I requested this investigation be reopened and charges be be removed but when I call I seem to get the transfer tree with no resolution. Can you please assist me I can not afford to be a victim of fraud during this COVID ; any assistance will be appreciated.
09/25/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 33033	Web
i applied for and was preapproved for {$1000.00} on XX/XX/18. after verifying my identify by way facial recognition, providing my state issued commercial drivers license and my bank statement, i was APPROVED and UNDERWRITTEN for {$1000.00} credit limit. On XX/XX/2018, i received the welcome email stating my card is on its way. Today. XX/XX/2018, i received a random email stating my account has been closed due to conflicting information, but the email never stated what was conflicting nor did the creditor ever give me a call to speak about this. I replied to their email but have yet to receive a response.
07/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34608	Web
I have requested several times from Avant Corp to remove the late payments that they are reporting on my 3 credit reports or provide me with a detailed account of where I had paid late. To date they have refused to do either. My requests for account validation are responded to with an email telling me that I need to provide them with a copy of my credit reports and other documentation for them to move forward. Per the FCRA I should not have to provide them anything, they need to provide me proof that they are reporting accurately. I have not paid this account late and want this removed from my reports.
02/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	UT 84045	Web	Older American
Payment was due XX/XX/2020. Was unable to.make payment, called company to work out arrangement to pay past due bill. I am out of a job, so don't have means to give firm date of payment. I assumed everything was arranged, and got email from company to confirm. I have recieved 5 calls In the 24 hours since I talked to them. I spoke again to an agent, And he assured me.that I would not receive any more calls for at least two weeks, and I would update them as to employment. I have since recieved 3 more calls within 6 hours of that call. This is harassment, and if I get a.new job, could cost me that job.
07/02/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NV 89118	Web
I received a letter from Avant, XXXX XXXX XXXX ( second Time ) offering me a loan,,, saying you are pre-Approved .... no where in the letter was any Disclaimer that says unless your credit changed or is not good enough ... we will not honor this letter ... any way they do this to have people apply for the loan, and than the reject it ... and write back ... you can Continue with XXXX ... sister company with very very high rates,,,,, this is criminal!!!!!! my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. phone # XXXX E Mail. XXXX My personal code # XXXX and the offer expire XX/XX/2018
04/08/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NV 89183	Web	Servicemember
They do not allow for early payments. For example, my payment is due on XXXX/XXXX/2016. I wanted to make my payment today, XXXX/XXXX/2016. They will not allow it. You can only delay payments, you can not advance them. While you are allowed to make additional payments or pay off early without penalties, you can not make advanced or early payments. This establishes a minimum interest charge that can not be reduced in order to pay off early. They advertise " no prepayment penalty '', however you are actually not allowed to advance your payments in order to prepay early. It seems unfair and deceptive.
11/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91702	Web	Servicemember
On XX/XX/2018. I applied for a credit card and somehow it became a loan application. So, today XX/XX/2018 I called into the company and made a request to cancel the application because it was not what I thought it was ( credit card ). I also asked for the hard inquiry to be deleted from the credit reporting agencies. I spoke with XXXX who said he would transfer me to his supervisor XXXX in verification dept who would delete the hard inquiry. Now, XXXX says she can not remove the hard inquiry from my report. I thought I was applying for a credit card yet it was a loan instead, very misleading.
01/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 75134	Web
Someone open a credit card in my name and I was trying to contact my investigator and his number is always going to voicemail many times I left this XXXX a message few times and he never called me back at all and I send in documents by email and never got a response back and finally XXXX was rebilled on my account and I was found responsible for the charges and I refuse to pay for it ... I never used the card and I didnt apply for it the guy name is XXXX and his extension is XXXX avant- already did a few chargebacks to the merchants so I dont know why they found me responsible for this
04/26/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OK 739XX	Web	Servicemember
Avant has miscalculated our loan and refuses to fix this. I have been told that this is what we agreed to, and even though they know that they are overcharging us, that we have to live with this. The total interest that should be paid on a 48 month loan at 29.1 % should be {$8800.00} over the total life of the loan. We have already paid over that at {$9500.00} in just 3 years. They refuse to recalculate this and refuse even to give us credit on larger payments that we have been paying. Please see the attached payment schedule. Thank you so much for your help, XXXX and XXXX XXXX
12/13/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 34787	Web	Servicemember
Took out a loan in XXXX of XXXX and I paid off my loan on XXXX XXXX XXXX the company Avant is saying that I still owe them {$380.00} for a missed payment in XXXX I was given a pay off amount in writing and over the phone that they are not honoring I was told to pay XXXX on XXXX XXXX so my pay off would not be short XXXX I paid that amount plus XXXX and final XXXX on XXXX XXXX this is unfair I also paid XXXX on XXXX XXXX XXXX the attachment pay off letter was the amount if I paid on XXXX XXXX I paid 6 days early so my pay off was XXXX which I paid online via ach and I called that day
04/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	XXXXX	Web
I took out a personal loan for 36 months in XX/XX/XXXX with no penalty for early repayment. The loan will be paid off XX/XX/XXXX with 91 % of the principal paid. My credit report does not reflect my payments or correct loan balance. After speaking with other customers who paid their loans early, I am now fearful that Avant will continue to not report the correct status of the loan and that they will continue to take automatic drafts out of my account after I make the last payment in XX/XX/XXXX. I am preparing to seek legal assistance if Avant does not honor the terms of the loan.
07/20/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MA 010XX	Web
Credit Card Company Has Recently been asking for my Full Date of Birth ... .. No Other Cards Do This ... When I try & get info. on my account ... I explained.. my concern.. was told, I should go online to check my acct.. info ... or give Date of Birth .. Asked for Manager.. was Disconnected .. Called back.. was told " Even a Manager Will Ask for Date of Birth '' ... This seems Like Too much info ... last 4 social address phone credit card # Never Asked for DOB .... Can u explain if they are in violation.. of my privacy rights ... AVANT credit card ... XXXX XXXX Thank You
07/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21117	Web	Servicemember
Complaint Against : Avant XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX My loan details Customer ID : XXXX Loan ID : XXXX My Complaint : Company is reporting account incorrectly on credit report, deliquent account was never charged off, creditor continued to poison my credit report for 3 years, reporting 120 days late every month. Number of days late per month was incorrect. Contacted company to pay off loan and come to a fair good will compromise and the company refused and states they were reporting my account correctly every month and would not revise the reporting.
09/17/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 94043	Web
I called on XXXX/XXXX/15 to pay off a loan I received on line on XXXX/XXXX/15. I wanted to pay off the loan using an increase I received on the credit limit of a credit card. I was told the company does n't accept credit card payments above the amount of the monthly payment. When I asked where it states that in the contract, I was told it does n't. That 's just company policy. Had I been told this, I would have forgone the loan. I believe this is Inadequate loan disclosure. It 's unfair business practice to change a contract that is in writing, without written consent.
11/13/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NJ 083XX	Web	Older American
On XX/XX/2020, I previously submitted a complaint ( confirmation # XXXX ). AVANT Credit Card has again ( 1 ) failed to close my account and ( 2 ) applied bogus charges. The loan number assigned to me is ID # XXXX. Today I received another bogus charge via email. See below. Please stop these criminals! \| AvantCard \| Your Statement Hi XXXX, Your statement is now available. To view your statement, log into your account online. Here are some of the details : Statement Balance : {$29.00} Total Minimum Payment Due : {$25.00} Payment Due Date : XX/XX/2020 2020
06/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 27320	Web
I mailed in a payment via money order on XX/XX/XXXX for XXXX. It was cashed by Avant on XX/XX/XXXX but never applied to my account. I have called numerous times and I was told to email customer service at XXXX. I have emailed a picture of the money order stub and followed up with emails requesting help. Sometimes they will email me back and tell me to call the 800 number. When I call they tell me to just log into my account online to watch for the payment to post. I emailed XXXX XXXX and XX/XX/XXXX. I have called at least once per week since the end of XXXX.
11/19/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 346XX	Web	Older American
Misleading marketing and deliberately alludes to potential for granting a bad credit loan. They even give you guidelines for credit score XXXX [ they say as fair ] & while indicating a credit check will not negatively effect your credit. Then they reject you with incorrect information gained from that credit reporting agency. An agency that I have complained to CFPB for months over incorrect information. No attempt on their part to validate. Then they will- get this- post that rejection while asking me to reapply in 6 months really!
02/03/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	MN 55104	Web
On XX/XX/XXXX I went through their website to receive a payoff quote and then I did a balance transfer on my credit card to send them a check to pay off the loan. On XX/XX/XXXX I noticed an e-mail that said the payoff was not completed because the check was mailed which directed me to call and finalize the payoff amount. Which I subsequently did on XX/XX/XXXX and the representative I spoke with assured me the amount quoted would pay off the loan. The company is now refusing to honor thr payoff quote. I call and they hang up on me.
11/26/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	CA 96007	Web
I applied for a card. I was " approved. '' I was connected bia XXXX XXXX. Then they send me a vague email asking me to call them. I make three attempts to call them back. Each time they claim they need to make an outbound call to me. They don't call once. I have not one attempted inbound phone call in my call log. Supervisor XXXX fake apologizes for me " feeling this way '' and also promises to call me and doesn't. I believe this company has scammed my personal information and is a fake/fraudulent company. Please investigate.
04/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IL 60628	Web
On XX/XX/XXXX I was notified that there was a cyber security attack, that resulted in the exposure of personal information of XXXX XXXX Hospital Employees. The breach effected those that were hired between XX/XX/XXXX-XX/XX/XXXX. From XX/XX/XXXX to the present, I have been receiving phone calls from debt collection companies that I don't know anything about.My lawyers suggested this step in the process of recovering my identity. These companies include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60435	Web
Filed a 609 letter with the 3 credit reporting bureaus regarding the validation of an account with Avant. Avant failed to validate an account that is negatively reporting on my credit report. Avant is inaccurately reporting late payments on my report. The company stopped reporting since XX/XX/XXXX, suddenly on XX/XX/XXXX they back dated account with late payments to XX/XX/XXXX, thus dropping my score 35 points ... Avant is in violation of the fair credit reporting act 15 U.S.C.ss1681 regarding ACCURATE credit reporting!
01/24/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 94043	Web
I RECEIVED A NOTICE OF ADVERSE ACTION FROM AN APPLICATION MANAGER FROM REGARDING A XXXX LOAN WHICH I NEVER APPLIED FOR ON XX/XX/2016 COMPANY NAME IS AVANT STATING A DENIAL OF TO MANY INQUIRIES AND PERSONAL INFORMATION WHICH IS ILLEGAL TO ACCESS MY CREDIT REPORT WITH MY CONSENT, THIS IS A VIOLATION OF PERSONAL PRIVACY TO ME AS A CONSUMMER, AND I 'M REPORTING THIS HERE AND ALSO WILL BE CONTACTING ALL CREDIT AGENCIES. I WAS TOLD THERE ARE NUMEROUS INQUIRES REPORTING WHICH I FEEL WILL AFFECT IN LOWERING MY SCORE.
01/27/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	DE 19904	Web
I received a loan from avant last year in XXXX of XXXX. I received an email about refinancing for additional funds or lower Apr. My Apr for a Delaware consumer is XXXX, but I noticed on their website they offer Delaware loans highest 36 %. I contacted them and their statement was this was new interest since my loan opened and I could reapply for the lower Apr. I tried reapplying and was denied. Logged back into site after applying it ran my credit again to deny me without me actually filling out application.
11/10/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 28079	Web	Servicemember
I have had a personal consumer loan with Avant finance for over a year. Monthly payments are {$260.00} per month and after 12 months only {$750.00} has been applied to the loan. The interest has been front loaded and if I carry the term of the loan, I will end up paying over {$8000.00} in interest. I am not sure if this is legal, but feels like I am being taken advantage of and predatory. Do n't mind paying the loan, I borrowed the money but more should be applied to the principal. Thank you
03/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78253	Web
My daughter took on her own an emergency loan with the credit company " avant credit '' to face medical expenses ( XXXX with no income ). She has not been able to make payments back. The loan has been sold to another company " XXXX XXXX '' phone XXXX XXXX XXXX ( debt collector ). We have tried to call them many times but afound an answering machine each time we class, at any time during business hours. It is impossible to solve the loan. Interests continue to be added during this time!!!!
11/12/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 90242	Web
on XXXX XXXX 2014 I made a loan to avant inc. website is www.avant.com in the amount of {$3000.00} loan Id is XXXX. As of XXXX XXXX my pay off amount was {$1000.00} which I had already paid it and it was already taking off my bank account. However avant has not closed my account loan. I made several attempts to fix this issue with them but they give me a run around. I send them emails and called there customer service and no one has giving a resolution to my issue. XXXX. Please help.
11/18/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 75134	Web
Avant has put my credit card on hold for two weeks now and I didnt get anything done on my account no letters no phone calls and they are holding me responsible for a minimum payment for the fraudulent charges and they are taking too long with the Investigation and I need to use my new credit card and move on ... and Im not getting anything better from customer service and Im slowly losing my patience ... and I would need a payment wavier or some kind of status on my investigation
02/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48203	Web
I disputed with this company back in XXXX the company is Avant. They didnt send me any method of verification stating a original signed contract with my signature because according to Section 609 of the FCRA it has to be proof of a original signed contract with my signature. This company just continues to report this on my credit report and being that XXXX has so many names and addresses on my file I didnt sign up for this.Please reach out to this company Avant to investigate.
12/16/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	NC 27587	Web	Servicemember
I had a loan with avant in XXXX XXXX and paid it off in XXXX XXXX. Even after paying the loan off they still took money from my account. I filed a complaint with the BBB and money was refunded. I received a call from them 2 months ago indicating that I owed money on the account which is false. The company has reported to the credit union I am late on a payment. As a Veteran I need assistance in trying to resolve this complaint because the companies fraud is affecting my credit.
03/06/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	GA 30157	Web
Company is trying to get me to pay 2 late fees after I've told them this is in error as this account has been paid in full. They admitted that my payment was made on time and was never late in XXXX as they previously stated to me. Then the company sent me a bill for late fees in XXXX stating they didn't get paid. now in XXXX they are telling that another late fee is due because they never got paid in XXXX for purchases that I have never made and no balance was showing or due.
03/29/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90029	Web
I got a loan with Avant Credit XXXX {$2500.00} and I made XXXX payments of {$110.00} which totaled {$2200.00}, I still owe a total of {$1500.00} which in total calculates to XXXX, which means that the loan 's interest rate is 160.056 %, I am unable to find the original documents and have attempted to contact the company. I believe that the loan violates the Truth in Lending Act and specifically 15 U.S. Code 1602, 15 U.S. Code 1666i-2borrowed 2500paid XXXX XXXX owe XXXX
05/17/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	OH 44646	Web
The amount of the loan was over XXXX . According to my credit report, the payments were inconsistent over the last year and then the payments stopped. I called the company to file the report of theft and the information they have on their file is accurate. However, they were claiming that i file a report against the BBB and did other actions. They told me they were going to send me some documents to fill out and send to them to claim the fraud and they never did.
09/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 78213	Web
on XX/XX/2019 certified letter XXXX XXXX XXXX XXXX XXXX was mailed to Avant on the address listed on the credit report. They were required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/2019. They have violated the Fair Credit Reporting act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
06/21/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	IL 61801	Web	Servicemember
I have a monthly auto draft of {$360.00}. On XX/XX/2019 this amount was taken out of my account twice causing my account to overdraft. I called Avant and was informed that they were only showing one payment pulled. They stated there was nothing they could do. I called my bank and was told that there were two charges pending. I filed a claim with my bank. However Avant is able to claim that they only received one payment and require me to pay the second amount.
11/15/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	NY 11225	Web
My compliant against this company is lying after lying. I apply for a loan back in XXXX, and they made a mistake by sending to a wrong person and the loan was return back to them, and they promised me they would return the money to me, and they didn't, and now they are charging me a fee that they took and want me to pay that back when I don't get any money from the crazy people. after calling I gave up and now they are messing with my credit report
01/29/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60613	Web
There is a problem with this personal installment loan account. I have been disputing this for well over a year and half. I was able to send over the paperwork request by the company in XXXX of 2020. I followed up recently. I called twice last week & once this week. I have been promised to get a follow-up call. I have never received one. I would like my files to be updated and acknowledged. It should not take this long for a fair investigation.
08/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20646	Web
Upon reviewing my credit report from the three credit bureaus XXXX, XXXX, and XXXX. I've notice that these three unauthorized inquiries that I have challenged on multiple occasions hasn't been removed from my credit report. The following unauthorized inquiries are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Avant XX/XX/XXXX I have never applied for credit with these on these dates, furthermore I have never applied for credit with Avant period.
09/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77471	Web
I had a loan with AVANT XXXX XXXX XXXX XXXX SUITE XXXX XXXX, IL XXXX ( XXXX ) XXXX In XXXX I had financial hardship and the loan went into default. Now I am trying to pay off debt and correct errors on my credit. Every month Avant is reporting a late payment instead of reporting the account as a collection/charge off. They are violating the law and causing me intentional harm. According to the law this should have charged after 120 days.
10/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 984XX	Web	Servicemember
XX/XX/2018 XXXX/avant XXXX, IL XXXX ( XXXX ) XXXX No open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX, FL XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XX/XX/2018 XX/XX/2018 XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information
08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 94526	Web	Servicemember
Avant reported my account over 30 days late even though we had an agreement in place which I sent to XXXX. XXXX lets things go 45 days with out a response but again the consumer gets the shaft because these banks control XXXX. The other credit bureaus have already removed these items after I sent documentation. So I am going trust that XXXX even did the investigation. My next plan of action is filing a lawsuit against XXXX and Avant.
06/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 752XX	Web
I made an extra online payment of XXXX on XXXX and my regular auto payment of my monthly payment is still pending. This was supposed to go to principal and then i looked today they took out XXXX of INTEREST Payment Breakdown Below : Principal {$1200.00} Interest {$290.00} Fees {$0.00} This was a PRINCIPAL PAYMENT in addition to a monthly payment. If there is no pre-payment penalty why am I being charged interest for an extra Payment??
07/25/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 76053	Web
I took out an instalment loan in the amount XXXX every month i made a payment of {$110.00} without failed. last month i a payment of {$830.00}, while in the web site they said my balance is {$1900.00} however they made an inacurate report to the credit reporting burea, to XXXX {$2600.00} to XXXX {$2500.00} this is innacurate and they refused to correct the balance due unfair reporting that unnecessary increase my debt to income ratio.
04/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 33024	Web
Almost a year ago, I wanted to pay off my loan so I went to Avant website logged in to my account and got the amount the payoff was and I paid it. Now, I am receiving late payment emails from a collection agency that Avant hired. I already replied to a bunch of those emails letting them know that I already paid off the debt but I am still receiving emails. I WANT THIS SITUATION TO STOP BEFORE THEY START REPORTING IT ON MY CREDIT.
04/08/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NV 89183	Web	Servicemember
They required unreasonable documentation in order to change the checking account that my payment is drafted on. You must call in to customer service and are required to submit a copy of a bank statement and voided check. Documents must be faxed or emailed. This is unreasonable in that most financial institutions allow for these changes to be made online or over the phone without having to submit " proof '' of account ownership.
07/17/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NJ 08080	Web
I applied for a personal loan with this company and gave them all they requested. XXXX XXXX they told me I was pre approved subject to income and assets which I sent. They dont call me but send me a email saying Im declined with no explanation?! They are obligated by law to furnish me a letter yet they are making me go through hoops to get this. This is ludicrous! And my credit rights are violated. I want them investigated.
11/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	OH 44105	Web
I had a loan account with Avant. Avant is reporting the loan " current '' payment status as 120 days late. Although, this account has been included in my chapter XXXX bankruptcy petition. The current payment should reflect that it's included in bankruptcy. The company has had several chances to correct this information. I've filed several disputes and nothing has changed. Avant XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX
03/29/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90064	Web
I wanted to pay off an existing installment loan from Avant because of the exorbitantly high interest rate of 36 %. I requested a payoff amount on XXXX XXXX and received a pay off of {$13000.00} that was good through XXXX XXXX. When I went to pay it off on XXXX XXXX BEFORE the date the {$13000.00} was good through, of course the payoff amount is more. This is unfair because Avant told me one payoff amount and switched it.
08/04/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	KS 66209	Web	Older American
I sent written notice to cancel my card. Fraudulent charges were made on the account, after cancellation. Avant refuses to remove the charges and continues charging me interest and fees on these fraud charges that, at one time, they said would be removed from my account. I tried resolving these issues on several occasions and have been given a run around by Avant, spending hours being transferred and calls dropped.
03/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 33702	Web
I am unable to speak to a live person concerning an issue with my account. Avant -XXXX This is preventing me from resolving the issue. The company sends same form letter over n over and will NOT let me speak to person to discuss/so they can understand to resolve. Runaround to defraud/run up charges. NO MORE GENERIC FORM LETTERS. CONTACT ME BY PHONE TO DISCUSS. so I can explain it to you so you can UNDERSTAND.
05/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95112	Web
I have asked Avant for copies of my contract with my signature. They are reporting two accounts with one included in bankruptcy which I have never been in. I have asked for both accounts on my credit reports to verify the signature and they have not sent me copies after a few request to do so. The included copies show a payment schedule but no proof of payments made and no proof of a signature. Thank you
01/27/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	NJ XXXXX	Web
Company has incompetent overseas people taking phone calls who are not trained. Called on XX/XX/19 to close account. Specifically, advised them to cancel the future annual fee of {$29.00} charged yearly effective starting XX/XX/19. Tried to explain this is a future dated annual fee and that I am closing account PRIOR to this date. They still think the annual fee should be prorated? What?!!! Why?!
02/27/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
Avant is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore Avant is reporting incorrectly on my credit reports. In the original response it stated I didn't pay my installment plan as promised. I found my bank statements showing that I actually paid up until XX/XX/2018. I have included the bank statements.
11/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web
I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX. I have asked for proof of this being my account and have not recieved anything. They have sent one reply asking for my personal information that I have provided in my initial letter. Still have not received proof.
03/07/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 21702	Web
According to the last XXXX BBB claim notices, AVANT was to credit my account over {$400.00} in fees/interest. In the last statement sent to me via email, it is very clear that this was not done. In fact, every time I asked for an audit, " funds '' were incorrectly managed or applied and the amount I owed increased. This happened on several occasions. I have saved all of these emails from AVANT
01/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 55904	Web
I received a letter from Avant that indicated throughout that I was pre-approved for a loan.There was no indication that their application would require a hard request on my credit or that it would make a difference if there was. They made that request and denied my application. If I can not get that loan based on the information I was given, I want that request removed from my credit report.
06/20/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 37087	Web
While trying to reset my password, the website attempted to request additional credit without my permission. I then found a hard inquiry on my credit report. After bringing the issue to the attention of the company, they refuse to acknowledge that there is an inquiry on my credit and continue to send me the same responses. I have sent photos to them, but they still respond with the same.
10/23/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	WI 54115	Web	Servicemember
On XXXX i requested a loan with Avant. Upon receiving a denial email i called to try to find out why as i just had a loan thru them that got paid off. I was informed that that info was unavailable over the phone and the rep could submit the request for a denial letter with more detail to be mailed to me. I made that request and as of XXXX i have yet to receive such letter in the mail.
10/02/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	OH 43221	Web	Older American
I closed the credit card account due to hideous customer service. There is a credit balance of {$7.00} in the account. I have asked the company to refund me the credit balance numerous time via internal secure messaging. I have had no response to my request. I sent a final demand for payment letter to the company via USPS Mail with tracking. I have had no response from the company.
04/05/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 443XX	Web
They did not process my payment when they said they would and charged me {$140.00} in extra interest, admitted to me on XXXX separate phone calls it was there systems fault then today determined I had to pay the interest anyway despite a screen shot showing the payment conformation of XX/XX/XXXX. They keep giving the run around and are auto deducting the money from the account.
08/11/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 77084	Web
I have a loan with AVANT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and AVANT with no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part.
03/03/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 21702	Web
I have had this AVANT account since XX/XX/XXXX. The terms have changed several times and out of XXXX paid, only XXXX has beeb paid towards interest. I made a settlement with AVANT and paid it XX/XX/XXXX. i paid {$500.00} to settle the account. I received a settlement confirmation and close of account letter from AVANT. I am still receiving statements and bills from AVANT.
09/23/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30004	Web
I have health problems and had worked out an agreement with the company. Which was offered by the company. Something went wrong with the agreement in their system which they blamed me as my fault. Now they are constantly posting to my credit as five months late which they know. I believe to collect the debt. I have been current with my loan close to three years.
08/04/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NJ 08080	Web
I was denied on XXXX XXXX Avant to get a home equity loan. They send me a letter saying due to they couldnt verify my employment. I submitted two years tax returns and had extensive conversations that I dont have a w2 job. My income drives from annuity and investments. They failed to review my docs and discriminated to give me a denial. I want this looked into.
07/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IN 46835	Web	Servicemember
On XX/XX/XXXX I received an email stating that I was denied a loan. I never applied for a loan or gave the company my information or permission to run a credit report in my name. I've attempted to contact the company to resolve the issue and they refuse to respond to me and my request for information. I've been attempting to contact them since XX/XX/XXXX.
10/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ XXXXX	Web
I have a loan with AVANT. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX with no successful resolution. There was definitely an error on their part. I was never late.
04/18/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 547XX	Web
Twice they have reported missed payments to my credit bureaus, I still have n't gotten the first inaccurate info removed and now they have done it again. I have proof that this loan has been paid monthly with no missed payments. I have also been unable to get them to give me a written statement showing what I have paid and what is still owed on the loan.
06/12/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NJ XXXXX	Web
I personally, closed credit card account ending in XXXX, the company sends me a statement with a closing date of XX/XX/2019 advising of a credit of {$2.00}. Rather than take the rational normal approach of sending a refund check, they send a statement advising of a minuscule credit. Please inform the simple minded company to issue me a refund check.
12/05/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	PA 17110	Web	Servicemember
Avant card has violated the federal Equal Credit Opportunity Act by discriminating against me and not opening up in a credit card and providing an adverse notice stating why furthermore I have not been able to dispute the decision by the credit card company not being able to dispute the decision by the credit card company is financial discrimination
03/26/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MI 48506	Web
I purchased XXXX tickets through group on XX/XX/XXXX for a XXXX XXXX XXXX game on XX/XX/2020 the event was canceled due to cobid 19 i contacted group on mo luck so contacted my credit card company explained why the event was canceled they sent me a letter stating i purchased the item i told the cs agent when i filed the whole story due to covid 19
01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PA 187XX	Web
In XXXX of 2020 this account was on my credit report. I decided to dispute it. Nothing changed from it so I tried again and this time it said account closed. But still remains on my credit report. I want them to take this off my report and to not change wording around on my report. This company really hurt my credit. And want it taken care of.
08/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	KS 66102	Web
Loan was paid off by a Credit Counseling Agency- XXXX in 2018. XXXX paid the amount due provided by XXXX. However XXXX still shows a balance of XXXX on my credit report. They show the amount on time, but will not remove it from my credit report. I have contacted them several times. They will not respond to me. There is NO balance due.
01/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 766XX	Web
My XXXX account was issued by AVANT. It went into collections and was sold to XXXX XXXX. The account was settled and paid XX/XX/2017 and XXXX XXXX did not communicate this information to AVANT to update my credit report accordingly. The AVANT XXXX account still shows Derogatory on my credit reports and was paid over two years ago.
05/19/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	TX 75070	Web
I've had the AVANT credit card for years. The balance never goes down. My balance has been {$1000.00} and I paid {$1300.00} last year and my balance isn't changing. I've called them and they never understand because they do not speak or understand English. I'm beyond frustrated with this company. Can you please please help me?
09/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32256	Web	Servicemember
I checked my credit report, noticed two inquiries from XXXX XXXX, Avant and XXXX that I'm unsure of where they originated. I have not applied for any new accounts because of my open bankruptcy yet inquiries from different courses keep popping up. I have added fraud alerts to all of my credit files with each credit bureau.
11/01/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CT 06320	Web
I was approved for a loan in the amount of XXXX with Avant Credit last year around XX/XX/XXXX, however, I just realized they are charging an unusually high interest rate of XXXX % when my credit score was in the high to low XXXX range at time of approval. I do not believe my rate should be so high with that kind of score.
08/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 381XX	Web
This credit card account is showing negatively on my credit report when it is a fraudulent account that I never opened. The address on the account is not an address that I have ever own and this account is constantly being verified when it is impossible to verify something Ive never applied for or had in my possession.
12/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85295	Web	Servicemember
I had an account with Avant that they sold in 2016. They are still reporting that the loan is 120days past due. They do not have any business with me right now. The loan shows a {$0.00} balance but they are reporting it as 120 days old. I have tried to contact them and the credit bureaus but they refuse to correct it.
09/23/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35007	Web
Avant would never work a payment arrangement that was in my needs. The interest rate was to high as well the payments. So I got behind then they sold my account to XXXX XXXX XXXX. XXXX ended up pursing legal actions against me. Well I ended up winning the case and turned out I did n't have to pay them nothing.
01/30/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	IL 60628	Web
XXXX I had autopayment setup some how I kept occurring late payments from my account I would XXXX dollars a month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX also it was incorrect information on credit report as well. Avant- credit card same problem late fees XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
04/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 30519	Web	Servicemember
I received a payoff quote from Avant good through XX/XX/XXXX ( attached ) for {$7300.00}. I mailed a check for that amount, which was posted on XX/XX/XXXX. Avant states that I have still have a balance due. I have made multiple attempts to resolve via email and telephone ; including their resolutions team.
07/20/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MN 550XX	Web
I have tried multiple times to come to a resolution with avant. Every employee at that company is quick to pass the hat, and then nothing is done. They claim they strive for customer service, absolute lie. They are crooks who take people at a high rate with no hopes of them helping or resolving your issue.
12/12/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	RI 02914	Web
i had an payment arrangement with avant to settle for a less amount**6 payments i paid on time and now- in turn they were going to satisfy this loan paid in full- they kept reporting to the credit bureaus as being late still and now that its paid they still have not updated info on all 3 credit bureaus
01/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 55426	Web
XX/XX/2018 i looked into rates on 2 companies for an installment loan, they both promised that they were soft credit checks and when i did go to apply for one loan i found out that avant had done a hard credit check even though i didn't agree to that. so i need that removed from my credit report.
05/06/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	AZ 856XX	Web
On XXXX/XXXX/15 money was taking out automatically from my bank and on XXXX/XXXX/15 the company took additional money out of my account without permission XXXX. When I contacted the company and spoke to management they said they can not credit the additional un-authorized money back to my account.
09/03/2020	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 95820	Web
This debt is past statute for collections. XXXX XXXX. called my number today at XXXX PST from XXXX ( XXXX XXXX XXXX and did not verify my identity prior to disclosing the debt, in violation of the law and making them subject to suit over this practice. I have requested a cease and desist.
07/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 35211	Web
I have contacted the Credit Bureaus 3 times and the creditor about this inaccurate information on my report and they have failed to solve the issue. This is defamation of character and i would like to see original documentation from the creditor proving that this account is mines.
05/01/2015	Yes	Payday loan	Payment to acct not credited	KS XXXXX	Web
Generally, they will draft all the interest payments, but REFUSE to draft when I am trying to pay a lot more to reduce my loan principal ; they always act completely confounded, while they are willfully defrauding me, they keep charging exorbitant costs for their actions not mine
07/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 740XX	Web
Avant is reporting to XXXX that this account is open and past due. I filed for Bankruptcy protection in the XXXX District State of Oklahoma Case # XXXX. They have also called me several times and I have advised them I filed bankruptcy and they should not be calling me.
12/14/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MA 01902	Web
I have a loan with Avant. I live in Massachusetts. The total amount loaned to me is XXXX. The interest rate they are charging me is 28 percent. I believe Ma law says the maximum interest rate is 20 percent. I contacted XXXX but was told they could charge me this amount.
03/31/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	RI 02891	Web
I dont have specifics of loan because I didnt take the loan. I was searching and filled out questionnaire to see rates. The money showed up in my account today XX/XX/2020. I called and told them to remove amount. No more no less. They will get back to me. I need help.
11/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91942	Web
XX/XX/2018 XXXX/avan made a fraudulent hard inquiry to my XXXX report. XXXX has been unwilling to help me address the extensive fraud on my report and instructed me to contact each creditor. I have been unable to reach this company on my several attempts by phone.
01/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60169	Web
AVANT is reporting an account as a DELINQUENT, I contacted AVANT on XX/XX/2020, as well as all credit companies to request information regarding this DELINQUENT, account. To date, I have not received any information regarding this account and the DELINQUENT, status.
06/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72761	Web
FILE SUIT AGAINST AVANTCREDIT SOLD DEBT TO XXXX XXXX XXXX SETTLEMED OUTSIDE OF COURT FEARING A CLASS ACTION LITIGATION. TRADELINE AVANTCREDIT LOAN XXXX, LAST PAYMENT MADE WAS XX/XX/2013. XXXX RE-INSERTED THIS TRADELINE 5 TIMES OVER THE PAST 7 YEARS.SEE ATTACHMENTS.
10/23/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 94121	Web
When trying to pay off my loan via ACH the company refused to post that same day and instead are posting after the weekend Thus accruing an additional three days of interest on my loan. I have dealt with predatory lenders with more ethical pay off routines.
09/16/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NH 038XX	Web
Pre-Approved Loan which company gives you a contract and monthly payment chart. Then waits 3 days and declines you for the loan. I think it 's False Advertisement because they pull your credit then the bank that works with them sends you the contract etc.
04/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 386XX	Web
The company said that it would NOT make a hard inquiry but they did and it lowered my score. They used the name XXXX and call two or more times a day. It has turned into harassment. THEY SHOULD NOT HAVE RUN A HARD INQUIRY! THEY SAID THEY WOULD NOT.
04/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23464	Web	Servicemember
Avant allow a person to use my information to open up an account and they are refusing to remove this fraudulent debt, even though they've acknowledged that the debt was not mine. They have yet to produce my wet signature to confirm this was my debt.
07/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 75149	Web
Hello, I received an email stating that my account was paid and everything was updated accordingly. I logged into the Avant system to see if it was accurate and to check my options for a new loan if I ever needed it but I wasn't given the option.
12/17/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	MN 56303	Web
Paid off Avant card back last year paid {$300.00}. when i told them someone stole my card & account they did not refund any of the money. They locked my account have not sent me one letter and I have not used the card since i paid it off.
01/05/2017	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	CA 91784	Web	Older American
I acted a payment arrangement with these people on XX/XX/2016 account XXXX and made all payments on time ... these people are reporting FALSE information about me to the world wide WEB that I am late ... Please assist me with this matter.
10/03/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	AL 36109	Web
On XX/XX/2020 Avant credit card deny me credit in maliciously way.fact adverse action prove there unfair acts and not equal. Under federal law adverse action is to be lower. They just violated me under the fair equal rights law.
07/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60619	Web
On XXXX XXXX, 2016 a loan was taken out in my name with XXXX XXXX and on XXXX XXXX, 2016 another loan with Avant was opened in my name that I did not open and did not authorize anyone to open either of these loans.
07/02/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	IL 60445	Web
XXXX XXXX WAS SETTLED OUT OF COURT AND TRADELINE WAS SUPPOSE TO BE REMOVE FROM XXXX AND XXXX. ( SEE ATTACHED ) ALSO, VIOLATED T.C.P.A. VIOLATIONS CALLING MY HOME AND CELL NUMBER AFTER SENDING CEASE AND DESIST ETC..
01/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MA 011XX	Web
on XX/XX/XXXX i was trying to get a personal loan from Avant.com XXXX/avnt i apply thru them because on their webpage they advertise that they dont affect the credit, but now in my credit shows the hard inquiries.
05/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WV 254XX	Web
AVANT REPORTED TO XXXX AND OTHER CREDIT AGENCIES THAT THE LOAN IS OPEN AND NOT PAID. THIS LOAN IS IN COLLECTIONS WITH XXXX - AND IT WAS PAID AND SETTLED TO THIS DEBT COLLECTOR - YET AVANT IS REPORTING OTHERWISE.
04/24/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PA 170XX	Web
I believe this lender is discriminating on the basis of the source of my income as a government employee, and discriminating on the basis of having previously been a bankrupt borrower more than three years ago.
01/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
Avant is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore Avant is reporting incorrectly on my credit reports.
12/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60435	Web
I've contacted the company regarding this matter to no avail! I've sent correspondence for the accounts to be validated by both the company and by XXXX, XXXX, and XXXX and have yet to receive anything.
04/08/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA XXXXX	Web
I called Avant credit today, XXXX/XXXX/15 and was told to speak with debt management. I was transferred to them and the woman hung up on me and did not follow up. I am concerned about this company.
01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30215	Web
I filed a dispute withXX/XX/XXXXXX/XX/XXXXand XX/XX/XXXXin regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.
02/01/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 43232	Web
I have been paying on my loan of {$4500.00} with Avant monthly and on time every month, then I noticed that in almost XXXX years at {$150.00} per month the debt has only decreased by {$610.00}.
11/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA XXXXX	Web
I was paying the amount regularly for several months. However, I got very sick and could not pay anymore. The remaining amount owed should constitute the interest/penalties and other charges.
10/29/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 34608	Web
The payment on the account for the month of XXXX 2016 was received by the creditor 17 days late and they are reporting it as a 30 day late on my credit reports and they refuse to correct it.
07/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WV 254XX	Web
XXXX XXXX XXXX / XXXX this debt was settled and paid - yet it is showing as a collection account - active - on various credit reporting agencies. Company has been notified more than 6times.
07/01/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60445	Web
XXXX LOAN XXXX WAS AUTHORIZED TO PULL XXXX, XXXX AND XXXX ONLY! LIMITED TO REPORTING THOSE XXXX PER SIGNED APPLICATION. ( SEE ATTACHED ). BUT BROKE THE TILA. AND DODD-FRANK REGULATIONS.
12/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70570	Web
There is a fraudulent credit card account showing from Avant on my credit reports. I have never known a Bank called Avant and never applied for this account and its hurting my credit.
05/30/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 75149	Web
I contacted Avant in XX/XX/2019 regarding removal of this account from my credit report. Avant responded but as of XX/XX/2019 the account hasnot been removed nor has it been updated.
06/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AL 360XX	Web	Servicemember
I down loaded a copy of my credit report from XXXX XXXX XXXX XXXX XX/XX/2018. My XXXX report say my score is XXXX but Avant say its XXXX when applying for a loan on XX/XX/2018.
01/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 327XX	Web
A check was sent to Avant on XX/XX/XXXX to payoff loan. Avant- cashed the check in XX/XX/XXXX. They have not credited my account as of XX/XX/XXXX and refuse to track down check.
07/12/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	GA 31419	Web	Servicemember
I applied for a {$200.00} loan from Avant and they turn me down, but they still have my banking information. I called them various times asking about my personal information.
02/23/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting a working replacement card	RI XXXXX	Web
Avan credit card I ipplied was denied right on the spot I have other credit cards XXXX XXXX XXXX XXXX XXXX XXXX and avant- just denied me their service for not reason
01/04/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	IL 60525	Web
My bank account is still getting payments deducted from it and the person that took out the loan is no longer my spouse. Avant said they ca n't do anything about it.
06/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA XXXXX	Web
XXXX XXXX has pulled my credit several times causing hard inquiries bringing credit score down, when request once in XXXX and XXXX both paid for by loan officer.
08/02/2019	Yes	Debt collection Payday loan debt	Communication tactics Called before 8am or after 9pm	AL 36830	Web
Non-stop phone calls ( from different numbers that change ) at all times of the day. Before XXXX XXXX ( many instances, one was on XX/XX/19 at XXXX XXXX ).
05/07/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL 60525	Web
I called Avant and told them that my ex wifes loan was getting paid through my bank account and they told me that there was nothing they could do about it.
08/19/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28110	Web
I am one payment behind and spoke with a representive who informed me that Avant will continue to call. This company calls every hour on the hour.
07/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08817	Web	Servicemember
the company involve system pull your credit when they state on there site it doesnt affect your credit to pull or check for a credit card or loan
08/24/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MT 595XX	Web
There is some kind of discrimination going on here. I 'm pre-approved, sign loan documents, then for some reason I 'm informed that I 'm denied.
05/21/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Personal information incorrect	MI 492XX	Web	Servicemember
They said we took out a loan with them and we did not they refuse to correct their error they have the wrong date of birth wrong address
04/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	AZ 85022	Web
They contacted me at XXXX and I am located in XXXX, AZ. I informed them it is against the law to contact me at that time of the morning.
11/20/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	WA 98664	Web
Avant Continous calls from different phone numbers all hours of the day {$6000.00} balance??? Please remove from my credit reports
03/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MS 395XX	Web
They are set up with affiliate XXXX XXXX. Misleading a consumer with very confused misleading marketing. And pulling credit bureau.
05/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT XXXXX	Web
Avant is reporting on my credit report as a charge off and it was not a charge off. It was paid off. It is reporting inaccurately.
10/22/2019	Yes	Money transfer, virtual currency, or money service Debt settlement	Problem with customer service	GA 300XX	Web
Avant refuses to understand requests to remove my banking account details from their systems. I have no open accounts with them.
11/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AR 72712	Web
AVANTCREDIT SOLD THIS DEBT XXXX XXXX AND ONCE AGAIN REAPPEARS ON MY CREDIT REPORTS. ESPECIALLY, XXXX AND XXXX. SEE ATTACHED
12/13/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NJ 083XX	Web	Older American
Following my initial complaint to CPFB about bogus charges, AVANT began charging me with what looks to be, an annual charge.
05/07/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 640XX	Web
The lender calls repeatedly each day although I have discussed the reasons I can not presently pay the loan.
11/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	IN XXXXX	Web
XXXX NEEDS TO REVIEW ALL MY ACCOUNTS WITH XXXX, AND NEED TO CONDUCT A ACCOUNT REVIEW WITH XXXX ONLY.
10/28/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	RI 02914	Web
Avant contacted my references and asked my whereabouts because i didnt pay my loan
03/14/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	AR 717XX	Web
This loan violates Arkansas usury law because the interest rate is above the cap.
12/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MO 63139	Web
This loan was taking care of and XXXX is still reporting it as unpaid and late.
11/18/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30052	Web
Calls my place of employment repeatedly. Even after warnings not to call.
02/09/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 75287	Web
AVANT is reporting on my credit report a balance of XXXX
07/31/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75238	Web	Older American, Servicemember
this account is not mine some one open it in my name.
07/03/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	NY 11570	Web
50 % interest is against the law, is it not???
01/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85041	Web
XXXX XXXX was reported late 60 days past due.
01/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77584	Web

12/28/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 78542	Web

12/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IL 60827	Web

12/03/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NJ 07081	Web

11/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37211	Fax

11/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02124	Fax

10/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36869	Web

10/29/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	CA 90305	Web

10/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29016	Web

10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AL 36027	Web

10/13/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NJ 08312	Phone	Older American

10/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70058	Web

10/07/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 75150	Postal mail

09/29/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NY 10305	Phone

09/29/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MI 48324	Web

09/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60643	Web

09/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27503	Web

08/14/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect		Phone

08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90046	Web

07/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95126	Web

07/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43081	Web

07/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37209	Web

07/23/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	IL 62226	Web

07/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48324	Web

07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services		Phone

07/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91607	Referral

06/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85258	Web

06/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34748	Web

06/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid		Phone

05/29/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90015	Web

05/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AK 99505	Web	Servicemember

05/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07010	Web	Servicemember

05/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 06606	Web

05/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92618	Web

05/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21075	Web

05/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 60643	Web

04/27/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan		Phone

04/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30215	Referral

04/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 96003	Web

04/07/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30045	Web

03/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70570	Web

03/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 08107	Web

03/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77706	Web

02/25/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	CA 92115	Web

02/22/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	NY 10463	Web

02/19/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	PA 19128	Web

02/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33534	Web

02/07/2020	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	IL 60643	Web

02/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60615	Phone

02/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MI 48340	Web

01/29/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90025	Web

01/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10803	Phone

01/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53711	Web

01/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44681	Web

12/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 15204	Phone

12/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19067	Web

12/20/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 75452	Web

12/11/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect		Phone

12/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37202	Web

11/23/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	OH 44131	Web

11/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28018	Phone

11/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23236	Web

11/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33073	Web

10/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan		Phone

10/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89074	Phone	Older American

10/24/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92392	Web

10/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44681	Web

10/20/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	PA 18704	Web

10/17/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11434	Postal mail	Older American

10/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	VA 24279	Web

10/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19067	Web

10/01/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	OH 43068	Web

09/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 32835	Web

09/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 23320	Web	Servicemember

09/17/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NJ 07663	Phone	Older American

09/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 63025	Web

09/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL XXXXX	Web

08/23/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	ID 83201	Phone

08/20/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75218	Web

08/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36302	Web

08/05/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	NV 89131	Phone

07/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32244	Web

07/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77084	Web

07/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89178	Web

07/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NM 87114	Web

07/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NC 28023	Postal mail

07/12/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NJ 07712	Web

07/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NM 87114	Web

07/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98675	Web

07/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 62863	Postal mail

06/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91040	Web

06/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75604	Web

06/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92553	Web

06/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98675	Web

05/22/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94568	Web

05/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	CA 91335	Web

05/15/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 30115	Web

04/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report		Phone

04/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32244	Web

03/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 32303	Web

03/06/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement		Phone	Older American, Servicemember

03/05/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 91344	Web

02/14/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IN 47834	Web

02/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OR 97405	Web

02/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan		Phone

02/06/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33305	Web

02/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48185	Web

02/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91344	Web

01/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NC 28314	Web

12/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MO 63601	Web

12/08/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	IL 60140	Web

12/06/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OH 43125	Web

11/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	PA 18103	Web

11/26/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NY 11215	Web

10/10/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	GA 30022	Web

10/10/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	CA 93448	Web

10/03/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 33473	Web

09/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80923	Web

09/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30253	Web	Servicemember

09/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70427	Web

08/31/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	MI 48219	Web

08/09/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CT 06477	Web

07/09/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	VA 20108	Web

07/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48167	Web

06/09/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TX 75662	Web

05/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77076	Web

05/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	WA 98004	Web

05/18/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AZ 85383	Web

05/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AZ 85020	Web

05/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90028	Postal mail

05/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OR 97212	Web

04/29/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MN 55066	Web

04/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32246	Web

04/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 55414	Postal mail

04/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90250	Fax

04/04/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	DE 19709	Web

03/22/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OR 97212	Web

03/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30076	Web

02/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94703	Web

02/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84103	Web

02/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38637	Web	Servicemember

01/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70435	Web

01/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60653	Web

01/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78261	Web	Servicemember

12/22/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NJ 08080	Referral

12/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70433	Web

11/27/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect		Phone

11/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 17929	Web

11/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90220	Postal mail

10/20/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90066	Web	Servicemember

09/20/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	VA 24502	Web

09/13/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 35180	Web

08/28/2017	Yes	Debt collection Payday loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MD 20602	Web

08/07/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NC 28262	Web

08/03/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MD 21050	Web

08/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94585	Web

07/12/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75287	Web

07/10/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90024	Web

06/30/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94585	Web

06/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30294	Web

06/27/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	FL 34991	Postal mail

06/22/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	AR 72209	Web	Servicemember

06/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37055	Web	Servicemember

05/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23960	Web	Servicemember

05/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90211	Phone

05/23/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	DE 19702	Web

05/17/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92234	Web	Older American

05/09/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80226	Postal mail

05/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75503	Web

05/02/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30324	Postal mail

04/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75503	Web	Servicemember

04/20/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	VT 05601	Referral

04/19/2017	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	FL 33351	Referral

04/19/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 44906	Referral

04/19/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NJ 07109	Referral

04/12/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	AR 72034	Phone

03/31/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MI 48176	Referral

03/15/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 62012	Web	Servicemember

02/06/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91913	Web	Servicemember

02/01/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 33711	Web

01/30/2017	Yes	Payday loan	Charged fees or interest I didn't expect	CA 90069	Web

01/26/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 32966	Web

01/10/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29031	Web	Servicemember

12/27/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	AZ 85737	Web

12/22/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	ID 83402	Web

11/10/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 94565	Web

11/09/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	NJ 07030	Referral

11/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30324	Web

10/19/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NJ 08043	Web

10/13/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IN 46220	Web

09/30/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 92591	Web

09/23/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	TX 76067	Web

09/20/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 54720	Web

09/09/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement	TX 77084	Web

09/08/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SD 57783	Postal mail	Older American

09/07/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90036	Postal mail

09/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IN 46228	Referral	Servicemember

08/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 34714	Postal mail

08/17/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 35042	Web

08/10/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OR 97229	Web

08/07/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 92563	Web

07/30/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MA 01950	Web

05/14/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30019	Web

05/10/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	TX 79720	Phone

05/10/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 33313	Fax

05/06/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 91750	Web

04/25/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IL 60637	Web

04/20/2016	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	NV 89031	Referral

04/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	VA 23235	Web

04/13/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MN 55123	Postal mail

04/08/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28405	Web

03/12/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 93550	Web

03/11/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 62702	Web

03/09/2016	Yes	Consumer Loan Personal line of credit	Account terms and changes	CA 93550	Phone	Older American

03/06/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 90504	Web

02/17/2016	Yes	Payday loan	Received a loan I didn't apply for	NC 28311	Web	Servicemember

02/16/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91748	Postal mail

02/09/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 53403	Phone

02/03/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 34689	Web

02/02/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	CA 90028	Web	Older American, Servicemember

02/01/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 95842	Web	Older American

01/28/2016	Yes	Payday loan	Charged fees or interest I didn't expect	VA 20164	Web

01/25/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 60187	Web

01/15/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MD 20748	Web

01/13/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NJ 08021	Web

01/11/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NJ 08054	Web

12/28/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92056	Phone

11/21/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 62959	Web

11/03/2015	No	Consumer Loan Installment loan	Problems when you are unable to pay	VA 22102	Web

10/07/2015	No	Consumer Loan Installment loan	Managing the loan or lease	TX 77396	Web

09/22/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 33716	Web

09/22/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 34613	Web	Older American

09/21/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 33137	Web

08/05/2015	Yes	Payday loan	Can't stop charges to bank account	UT 84094	Phone

07/24/2015	Yes	Payday loan	Charged fees or interest I didn't expect	MD 20708	Web

07/10/2015	Yes	Consumer Loan Personal line of credit	Managing the line of credit	OR 97222	Web

06/13/2015	Yes	Payday loan	Charged fees or interest I didn't expect	CA 93630	Web	Older American, Servicemember

06/11/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	TX 75035	Web

06/09/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30102	Web

05/18/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 21795	Referral

04/25/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	DC 20002	Web

04/23/2015	Yes	Credit card	Payoff process	LA 70808	Web	Servicemember

03/30/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 93230	Web

03/16/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 95054	Web

03/13/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	CA 92104	Web

03/12/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	IL 60615	Web

03/12/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	NM 87540	Web	Older American

03/07/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	IL 60445	Web

02/20/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	MO 65101	Web

02/18/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AZ 85379	Web

02/10/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	IL 60445	Web

02/06/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 76155	Web

02/04/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AL 36120	Web	Servicemember

02/01/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75023	Web

12/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IL 60445	Web

12/28/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 32746	Web

12/22/2014	Yes	Consumer Loan Personal line of credit	Account terms and changes	CA 93550	Phone	Older American

12/09/2014	Yes	Payday loan	Received a loan I didn't apply for	CA 92126	Web

11/28/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	OR 97209	Web

11/25/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	UT 84092	Fax

11/18/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 78634	Web

11/14/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	MA 02170	Web

11/03/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 75023	Web

10/24/2014	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	NE 68506	Web

10/24/2014	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	AR 72023	Web

10/08/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 90046	Web

10/06/2014	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	IL 62629	Phone	Older American

09/16/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30324	Web	Servicemember

09/03/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	VA 23860	Web