| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been marked as late several times by this company. These " late payments '' are in the way of me getting approved for other credit cards and is lowering my credit score. I demand that its corrected pursuant to : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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| 11/20/2021 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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In XXXX of 2021 i applied for a credit card with XXXX, LLC and was approved. I had to submit and upload a copy of my license and a representative reached out to me and called me to verify more information and told me when to expect my card. Since then i have made all my payments on time and always paid extra before my due date, i also have auto pay set up and Avant has faithfully withdrawn {$25.00} out of my account every month on the XXXX of every month for the past XXXX months with no issues. On XX/XX/2021 right before XXXX XXXX i logged into my account to submit a payment for {$100.00} before my autopay payment was due to come out and i noticed the top of the screen said " Thank you for recent Avant credit card application, after carefully reviewing your application submitted on XX/XX/2021 we are sorry that we can not provide you an Avant credit card at this time ''. After that I immediately called customer service and asked what was going on and told them what i was seeing on my account, the customer service representative then told me that someone did in fact make an attempt to submit and application in my name just an hour prior to me calling at XXXX XXXX that same day. I asked her if they were able to see where it came from or if there was an IP address logged so i could try to escalate this, she told me it looked like the application was submitted from an " organic website '' and couldn't tell me much else but assured me that there was no card issued because i already have the card and that's why the application was declined, she told me that she was going to forward the case to the fraud department so they could look over it because they would be able to see more than she could and would be able to help me resolve the matter, she asked me how i would like someone from the fraud department to reach out to me by email or mail, and i said email, she never gave me the option of by phone which i would have preferred and would have been more professional considering the situation. The next day i get an email from the fraud department Thanking me for contacting them and the email stated...
Dear XXXX XXXX, Thank you for contacting Avant. Your account has been forwarded to us because you have indicated that you do not believe you applied for a credit card through Avant. Avant has been able to locate an account in your name ( Customer ID # XXXXXXXXXX ). It is important to note that the application in question has been approved and a credit card has been issued. An inquiry may have been initiated by XXXX and Avant into your credit profile. Inquiries can affect your credit score and are visible to third parties viewing your credit report. If you still believe you have not applied for credit through Avant, please take the following steps : 1. Print and complete the attached Identity Theft Victims Complaint and Affidavit ( Affidavit ). The Affidavit should explicitly mention Avant. The Affidavit ( item XXXX on page XXXX ) should be witnessed by a Notary Public. In addition to the completed Affidavit, we request that you also file a Law Enforcement Report, described in item XXXX on page XXXX of the Affidavit, or an XXXX referral form. The law enforcement Report or XXXX referral form should explicitly reference Avant. Filing a false Law Enforcement Report may result in criminal prosecution with penalties up to a felony conviction.
2. Deliver the Affidavit, Law Enforcement Report or XXXX referral form and any other supporting evidence of identity theft you may have, to Avant via email, fax or mail.
Email : XXXX Fax : XXXX Mail : Avant , LLC ATTN : Fraud Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Avant will conduct its investigation to validate the claim. If the investigation concludes that the application was submitted falsely, Avant will begin the process of notifying the appropriate credit bureau ( s ) to remove the credit inquiry and associated credit history from your credit report. Without the completed and notarized Affidavit and Law Enforcement ReportXXXX referral form filed in connection with the identity theft claim, Avant may not be able to remove the inquiry and tradeline.
The XXXX referral form stands for Internet Crime Complaint Center. This is a governmental online service administered by the FBI that allows an individual who believes they are a victim of identity theft to file an online complaint. As internet crime complaints are reported online, the data is compiled. The complaints are researched by trained analysts and the information is dispersed to the appropriate local, state, or federal regulatory agencies. The XXXX referral form can be filed and used in place of the Law Enforcement Report. The XXXX referral form can be found at http : XXXX.
Please contact us at XXXX and reference the Customer ID above with any additional questions or concerns.
Please note, if an investigation discovers no evidence to support the identity theft claim and paperwork is not submitted within XXXX days, collection efforts may continue.
Additional information regarding identity theft may be found at the Federal Trade Commission website : http : //www.ftc.gov. Fraud alerts can help prevent further cases of identity theft. If you have not already done so, you may request the nationwide consumer reporting companies to place a fraud alert on your credit report. They may be contacted at : XXXX : XXXX ; http : XXXX XXXX : XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX *** Avant branded credit products are issued by XXXX, member XXXX *** -- Avant Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : 1-855-XXXX Monday - Friday : XXXX am - XXXX pm CT Saturday XXXX Sunday : XXXX am - XXXX pm CT Fax : XXXX So when i received this email on XX/XX/2021 the next day i knew right then someone on Avants end had messed up there communication somewhere because i can't legally go down and file a police report for a card that i called about and that i own and that i have legally and willfully occured debt with, thats illegal i would go to jail for that. The customer ID they included in this statement does belong to me, so i didn't file the police report and tired to get ahold of someone to fix the issue and couldn't get ahold of anyone. On XX/XX/2021 i still submitted a payment of {$100.00} and then on XX/XX/2021 Avant still took {$25.00} from my account by ACH for autopay, after they took there payments they then locked my card and told me to call XXXX Since then i have made NUMEROUS attempts to reach out to Avant to try and resolve this but i have gotten nowhere, no one will return my call, i called XXXX 's yesterday on XX/XX/2021 and explained the situation and the severity of it each time and the XXXX time i was told a supervisor will call me right back, hours went by and nothing so i called back again, and was told that someone would take care of it and nobody did, a few hour later i called back again and explained myself AGAIN and was told this time that someone would contact me by mail in XXXX days. I have also requested a copy of my application and nobody will give me one because the personal information ( phone number ) they have for me on file is wrong, i have repeatedly asked them how they got that phone number and they will not give me an answer, nor will they update it correctly online, so as of now i have unenrolled them from autopay and i will not be making any more payments on that credit card until a live person can contact me and fix this, as a consumer this is totally unacceptable, they can not expect someone to pay on a card that they locked due to there own mix ups and then nobody from that company is even willing to properly communicate with me, its very bad business practice and now because they have locked the card some of my payments that are connected to the card are going to be declined which will negatively effect my credit long term and they are putting me at risk still for identity theft by leaving the wrong phone number on my account, that's not the phone number i signed up with they have never verified that phone number with me
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| 10/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I have previously complained regarding this credit card corporation Avant under case number XXXX with cfpb. Company has responded with misleading information and not accurate dates, or emails information showing the complete communication between my self and Avant.
I have submitted emails and phone calls communications to Avant that are true and correct this information will clearly show how Avant is misleading providing answers regarding this lost credit card.
My lost card was reported around XX/XX/XXXX or XXXX of this year after that. I received this e-mail. See Below.
________________<___<_<___<_____<<<<<< This Is Email Was Sent On ByXXXX Fraud & Dispute Specialist issuer Dispute Operations..
XXXX, XXXX XXXX, I am reaching out about your Avant fraud claim. I have received your claim for {$80.00} from XX/XX/2022. This charge was already set fraud and a provisional credit was issued while we investigate your claim. I received your voicemail and wanted to follow up. Was there additional fraud on the account? If so please send over a list of transactions so I can get that added to your claim. I understand your card was stolen, can you also please provide a brief description about what happened with your card?
In order to receive a timely response, please respond to this email.
Thank you, XXXX XXXX & Dispute Specialist Issuer Dispute Operations My respond see below.
Attention XXXX, Around XXXX or XXXX of XX/XX/2022 I wrote see below First and foremost, my card was lost!.
I explained that it was probably on my last transaction! Inside of a location by the name of XXXX for {$9.00} Regarding : Unauthorized Charges I notice SEVERAL charges on my account which I carefully spoke to several agents about and I was told that information was included and they have the information included on my claim.
XXXX for {$150.00} ( please refer to XXXX ) XXXX XXXX {$80.00} ( please refer to XXXX ) Note : I have noticed it's very difficult to communicate with agents and supervisors. Moreover, I noticed this corporation provides misleading information and make several mistakes while taking information.
Inaddition, I went over the account payments of, {$25.00} XXXX payments.
I also ask about new card replacement?
I also make and additional call regarding account status and Unauthorized charges place on my account.
On one of last calls, I was given your number and now, I am responding.
Please kindly respond and make corrections necessary to have my account in order and have my credit card available for use and proper balance of valid charges not Unauthorized charges.
Regards, XXXX XXXX XXXX XXXX XXXX Cell XXXX XXXX Respond from XXXX ( She email me ) Hello, I have set fraud to the charges and issued the provisional credit for that amount while your claim is being investigated. I apologize that there has been communication issues getting your claim taken care of. I will contact you again should I need any further information. I will also submit your claim to the bank for resolution, once they have a decision about your claim a letter will be mailed to you with their decision.
Thank you, Another email from XXXX XXXX, I am following up to let you know the bank has stated in order to resolve your claim please file an official police report mentioning the Avant card and the fraudulent transactions. Otherwise, the claim will be denied.
Thank you /<__<_____<<<<<<<<<<<_____<<<<< Emails!!!!
Hello, I am following up to let you know the bank has stated in order to resolve your claim please file an official police report mentioning the Avant card and the fraudulent transactions. Otherwise, the claim will be denied.
Thank you, My respond via email!!
I writing one more time of many times I have call and left messages regarding this situation.
I am no longer in XXXX, yesterday I spoke to a supervisor her name is XXXX I explained the card was Lost and what you are requesting I call the local police department they can't help because is a different country!!
XXXX XXXX Other Emails By Me!!
To whom it may concern, I have wrote several times and call several times!!!
On my last call, On Monday of XXXX of 2022 spoke with supervisor XXXX card services department.
We went over everything related to the payment, new card, balance, available credit and much more.
We concluded the conversation and I was advised everything is in order!!!!
I now received another email that the bank is requesting a police report.
XXXX XXXX, 2022 These is part of the email giving you of the information requested. Below was sent.
XXXX am no longer in XXXX XXXX yesterday I spoke to a supervisor her name is XXXX XXXX explained the card was Lost and what you are requesting " I call the local police department they can't help because is a different country!!!
**I was ask to see if my local police department can help. I call they can't!! Is a different country!!!
I noticed your corporation has amount of complaints with BBB and CFPB, I noticed why. It must be because all the miserable service your corporation provides, misleading information, and intake information takeN from the beginning of XXXX XXXX!!.
Note : XXXX XXXX XXXX XXXX.
1st. If youve had your credit card stolen or discover that youve lost it, you should report it missing straight away as it could affect where you stand legally if the card is subsequently used by a thief.
CARD WAS LOST AND REPORTED IN TIME FRAME AS PERMITTED.
2nd.Your card provider should always refund you in full for any transactions that take place after you've reported your card missing.
AVANT IS UNDECIDED 3.rdIn practice, many banks waive this 50 contribution so it's worth checking the terms and conditions or checking with your provider to see if you have to pay.
AVANT WANT 50 CONTRIBUTIONS PLEASE ADVISE.
4th.transaction or that you've authorised someone else to buy the item using your card, then it needs to prove this - you don't need to prove you weren't responsible.
AVANT HAS NOT PROVE.
Regards, XXXX XXXX Another Email By Me!!!
To whom it may concern, I have not received a respond since my last email sent, I need also provide the definition of lost!!!
unable to be found or recovered. 2 unable to find one 's way or ascertain one 's whereabouts.
And remind you of the following information see below I am not available to obtain any police report I am not longer in XXXX your corporation is a very misleading and lacks proper information.
I was told in one of my phones calls everything was in order.
On my last call, On Monday of XXXX of 2022 spoke with supervisor XXXX card services department.
We went over everything related to the payment, new card, balance, available credit and much more.
We concluded the conversation and I was advised everything is in order!!!!
I hope you stop this nonsense!!! It's ridiculous XXXX XXXX Please reopened case XXXX advised Avant. I am not responsible and to respond with true and correct information.
I have many more emails from me to XXXX and other information about this case and to review calls since report of lost card to customer service department. On several occasions, I was told everything is fine you are not responsible and your new card was ship out.
I hope Avant answer properly and remove those Unauthorized charges from my account.
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| 06/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
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I find out in few days after I process the payment for my minimum balance that a something's wrong with their system. I actually change the account to be paid from my XXXX XXXX XXXX XXXX account not my XXXX XXXX account. I argue with them this, as I actually have removed all my function XXXX XXXX to change XXXX XXXX XXXX XXXX. There was no money in the account and I ended up getting an overdraft fee in addition to the charge. They refuse to help saying that I accepted the terms and I got a confirmation email of the change of account which I did not so the only back that fee. XXXX XXXX will honor reverse anything as long as they're reverse the charge. I have no problem paying them from the XXXX XXXX XXXX XXXX account. But they need to acknowledge there's something definitely wrong with your system. Another way I know something is wrong is because every time I have to reset my password but I know my password is the same. I always change it to the same thing days later when I want to go back into it it tells me that I don't know the right password and I have to reset it again. So there's something wrong there.
As you can see our father complaint for the fraudulent charges they gave me the credit for the charges and then reverse them back which lab were me not being able to pay in my full {$70.00} amount that I owe the board room. Instead of {$70.00} being paid out. So they have me jammed up with XXXX XXXX as well as boardroom Salon because it reversed the charges for my fraud claim. I have been back and forth with them since the XXXX of the month and they seem to be ignoring me saying that the grizzly charge is legitimate because it was done with the app did I subscribe to. And true enough I do subscribe to the app but I haven't even used the app since the very first charge which was almost a year and a half ago. This was because they charged too much for the product and delivery and therefore I don't use it so like I told him I didn't give anyone permission to use my app nor use my card. They are ignoring me this time and it is affecting my credit score to have high usage on there. I will pay them minimum balance in order to try to hope that we can resolve this cuz I don't want any past due payment wrong with my credit report can you please help. I have clipped and paste the below information regarding the claim with Avant.
This is from my statement ending XX/XX/XXXX Credit Card XXXX Available Credit $ XXXX Your total credit limit is {$300.00}.
Current Balance {$370.00} Last Statement For the period XX/XX/XXXX - XX/XX/XXXX Statement Balance {$370.00} Total Minimum Payment Due {$25.00} Payment Due XX/XX/XXXX Scheduled Payments You currently have no scheduled payments. Scheduled payments will appear here.
Transactions Statement Ending XX/XX/XXXX Description Type STATEMENT CREDIT REWARD Purchase XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$48.00} PAYMENT - THANK YOU Payment XX/XX/XXXX - {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX Purchase XX/XX/XXXX {$0.00} XXXX XXXX Purchase XX/XX/XXXX {$0.00} XXXX XXXXXXXX.
Purchase XX/XX/XXXX {$1.00} XXXX XXXX XXXX XXXX Purchase XX/XX/XXXX {$3.00} XXXX XXXX Purchase XX/XX/XXXX {$4.00} XXXX XXXX Purchase XX/XX/XXXX {$4.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$7.00} XXXX XXXX XXXXXXXX Purchase XX/XX/XXXX {$8.00} XXXX XXXX XXXX XX/XX/XXXX {$9.00} XXXX XXXX XXXX Purchase XX/XX/XXXX {$10.00} XXXX XXXX XXXX Purchase XX/XX/XXXX {$15.00} XXXX XXXX XXXX XXXX Purchase XX/XX/XXXX {$18.00} XXXX XXXX XXXX Purchase XX/XX/XXXX {$46.00} XXXX XXXX XXXX XXXX XXXX Purchase XX/XX/XXXX {$48.00} XXXX XXXX Purchase XX/XX/XXXX {$0.00} XXXX XXXX Purchase XX/XX/XXXX {$0.00} XXXX XXXX Purchase XX/XX/XXXX {$6.00} XXXX XXXX XXXX XXXX Purchase XX/XX/XXXX {$7.00} XXXX Purchase XX/XX/XXXX {$40.00} XXXX XXXX Purchase XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$49.00} XXXX Purchase XX/XX/XXXX - {$15.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Purchase XX/XX/XXXX - {$49.00} My Rewards Lifetime Redeemed {$3.00} Currently Pending {$0.00} Schedule a One-Time Payment This is regarding my statement ending MayXX/XX/XXXX STATEMENT CREDIT REWARD Purchase XX/XX/XXXX - {$3.00} ANNUAL FEE XX/XX/XXXX THROUGH XX/XX/XXXX Purchase XX/XX/XXXX {$39.00} XXXX XXXX XXXX GA Purchase XX/XX/XXXX {$49.00} XXXX XXXX XXXX # CA Purchase XX/XX/XXXX {$0.00} XXXX XXXX XXXX GA Purchase XX/XX/XXXX {$40.00} XXXX XXXX XXXX XXXX Purchase XX/XX/XXXX {$6.00} XXXX XXXX XXXX Purchase XX/XX/XXXX {$40.00} XXXX XXXX XXXX # CA Purchase XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX GA Purchase XX/XX/XXXX {$18.00} XXXX XXXX IN XXXX XXXX GA Purchase XX/XX/XXXX {$7.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX {$48.00} XXXX XXXX XXXX # CA Purchase XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX MA XXXX XX/XX/XXXX {$1.00} XXXX XXXXXXXX XXXX XXXX GA Purchase XX/XX/XXXX {$46.00} XXXX XXXX XXXX # CA Purchase XX/XX/XXXX {$4.00} XXXX XXXX XXXX CA Purchase XX/XX/XXXX {$9.00} XXXX XXXX XXXX # CA Purchase XX/XX/XXXX {$4.00} XXXX XXXX XXXX XXXX XXXX Purchase XX/XX/XXXX {$7.00} XXXX XXXX XXXX # CA Purchase XX/XX/XXXX {$0.00} XXXX XXXX XXXX # CA XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX GA Purchase XX/XX/XXXX {$10.00} XXXX XXXX XXXX XXXX GA Purchase XX/XX/XXXX {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$3.00} XXXX XXXX 'S XXXX XXXX GA Purchase XX/XX/XXXX {$15.00} My Rewards Lifetime Redeemed {$3.00} Currently Pending {$0.00} Schedule a One-Time Payment
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| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 12 CFR 1022.3 states Anything added to your report without your written consent could be considered Identity theft. 15 U.S. Code 1681n ( a ) ( b ) states Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 12 CFR 1016.1 Purpose and Scope states ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. Every company owes you a privacy notice before they furnish any information to our consumer report. 12 CFR 1016.4 Initial privacy notice to consumers required states ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party. XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Avant, XXXX XXXX XXXX and Department of Education/ Aidvantage are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Avant, XXXX XXXX XXXX and Department of EducationXXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX XXXX XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Avant, XXXX XXXX XXXX and Department of EducationXXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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| 02/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
Older American, Servicemember |
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On XX/XX/2023, I started an application to obtain a personal loan through Avant. My credit score at that time which they posted was XXXX. Being 83 years of age, my daughter XXXX XXXX was trying to assist me.
We immediately ran into issues regarding the process.
From the XXXX to the XXXX of XXXX, each and every day at least 2 times daily we spent on the computer trying to get their programs to take the information to no avail.
First problem was downloading and attaching my drivers license. When it was downloaded, they then wanted a picture of myself on their program. It would not work, and then XXXX said to go to a phone open the application and scan on phone which no information was given on how exactly to scan on the phone. I only have a flip phone, so my daughter tried hers. As soon as it was brought up, it said to go back to the computer and try again on the computer.
On XX/XX/XXXX, I received an email that said " Dont forget XXXX youre approved for a personal loan through Avant! '' No asterik, no nothing.
It then said " complete the last step of your loan request '' We again logged in which brought us once again to the application which the last step, were steps in which were the same issues we could not complete, attaching the drivers license, taking my picture, and trying to get my checking account to verify through this XXXX company.
My daughter after I gave permission spoke to them over 5 times to try and address the issues They said to switch to XXXX from XXXX, and it still wouldn't work. They then said we needed to verify my online personal checking account and savings account I have through my bank, and that would not work either.
On XX/XX/XXXX I once again gave my daughter permission to speak to these people as I am hard of hearing. She once again tried to ask them for help, and after emailing my ID to them on their support line, ( they didn't ask ), but she did it anyway, since a simple thing like getting my ID seemed so complicated, they did email back saying that they had received it.
My daughter asked them since she couldn't get these programs to work if there were other ways to do this, and they gave no response or answer.
When they said they were going to process the application, she asked specifically if it was going to be denied because of these issues that they couldn't seem to resolve, they would not answer her.
Within 10 minutes after all that time, he received a denial that said this.
Your XXXX XXXX : XXXX Date : XX/XX/2023 Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : Serious delinquency, Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high, ( Lack of recent installment loan information ), Too few accounts currently paid as agreed, The number of inquiries on the consumer 's credit file has adversely affected the credit score.
All my accounts by the way are 'CURRENTLY BEING PAID AS AGREED!
I believe I am being discriminated simply because of my age, and the lack of assistance this company refuses to offer to an age group such as myself. BTW, I have had XXXXne credit card for at least 10 years, I have paid off 3 cars as agreed on time, owned two homes and paid as agreed, and there was only one card in which payments got messed up and it did affect my credit, but I have gotten that resolved. Other than that, all my cards are always paid on time, and have been.
If my credit score is so badly affected at a XXXX, can you explain to me, why I could purchase a home with that score, but not get a loan?
And yes, my credit card balances were somewhat high. That was XXXXe point of consolidation. To group things together and put it into one loan that we would have paid more on monthly to save interest.
Now since they mention that this hard pull on my credit is impacting my credit score even more now, and AFTER THEY SAID I WAS APPROVED IN THEIR EMAIL, THIS COMPANY IS HIGHLY SUSPECT AND THEY NOW HAVE MY PERSONAL INFORMATION, AND IT CONCERNS ME!
XXXX people should not have to fight for simplicity in obtaining a loan, if offered, because another company can not find ways to assist them. It is discrimination as far as I am concerned, since my daughter is XXXX and I am XXXX.
Go on XXXX, go on XXXX, go on XXXX. Seriously???? We don't have an XXXX device, so are they going to give us access to one to simply complete an application?
This is crazy!!!!
My daughter also asked more than once to talk to a manager or supervisor, when this began to be an ongoing issue. Since the company says they are out of XXXX, there is no direct phone number to reach anyone inside the XXXX. It is very apparent by the accents of placing and recieving calls, from this company, that they are an offshore entity, and since there seems to be no supervisor nor manager that would speak to us, and with the many voices in the background, this is some kind of call center, and probably not a credible entity for loans.
It is interesting that my daughter has gotten online loans with online companies and never had anything like this EVER HAPPEN TO HER!
Especially when it said I was approved!
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| 05/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
Servicemember |
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Avant wont offer the payment plan they claim in their last and most recent response lower to Consumer Financial Protection Bureau and I that they would offer. I have emailed them, gone to their app and their website and it doesnt or wont even offer me a new reduced payments plan. Do I need to sue them I court for lying and fraud? Because Im sure the the Attorney Generals office in Mississippi will be glad to help me. Avant is a terrible credit with lying customer service and managers, whom not only lie in their phone communications, but also their emails. They also wont allow you to legally transfer your balance out to another credit card or creditor. Avant is a leach and bad for the credit card and financial industry. As you shall see below, if something technical happens, Avant will take no blame but instead cast the blame on XXXX the issuer of their credit cards. How shameful!
Background on what they ( Avant ) has done and not done : So, on XX/XX/XXXX I received a response to my initial complaint on here : they stated : Avant 's records indicate that due to a system outage on the date that XXXX XXXX enrolled in the second re-age plan ( XX/XX/XXXX ), their account was not properly flagged as being on a payment plan. As a result, on XX/XX/XXXX, after 6 cycles of delinquency, XXXX XXXX 's account was charged off before they were able to fulfill the terms of their most recent re-age plan. On XX/XX/XXXX, as authorized, a payment in the amount of {$59.00} was successfully made on the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX www.avant.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX www.avant.com Please advise XXXX XXXX that both payments of {$34.00} from XX/XX/XXXX, and the payment of {$59.00} from XX/XX/XXXX, have been successfully reversed. On XX/XX/XXXX, the payments were refunded to the bank account XXXX XXXX used to process the payments ; however, it may take up to 3 business days for the bank to release the funds. If XXXX XXXX has additional questions regarding these reversed payments, Avant recommends contacting their banking institution. As a result, Avant has taken the following actions : The charge-off status has been reversed in Avant 's records as of XX/XX/XXXX, and is visible on XXXX XXXX XXXX Avant Dashboard. A correction was filed on XX/XX/XXXX, with the credit bureaus to reverse the charge off and show the account as open which may take anywhere from 1-2 weeks to reflect on XXXX XXXX XXXX credit reports. The delinquency has been reset to the level of delinquency at the time the re-age plan was initiated on XX/XX/XXXX, and will remain stable throughout XX/XX/XXXX, billing cycle. The outstanding balance on XXXX XXXX 's AvantCard is {$480.00}, with a past-due balance of {$160.00}, and a total minimum payment of {$190.00} due by XX/XX/XXXX. However, Avant invites XXXX XXXX to call back in to see what payment plans they qualify for by completing our financial situation review. They may also complete this review on their Avant dashboard. If no payment plan is available or accepted, and/or if no payment is made to the account by XX/XX/XXXX, the account will be charged off on the subsequent cycle, no later than XX/XX/XXXX. Well, I was and still have not been offered the same plan again or even a new on on their website, app as they mention or even after contacting them. They also next after sending the above response immediately charged me late fess and interest. Someone needs to hold this company accountable! Im exploring allowing my U.S. Senators, U.S. Congremen, Secretary of State, Attorney General, the F.D.I.C. to investigate and take the actions they fill needed against an abusive so called financial company as Avant, who seems to only want to lie in response to yall at the CFPB, but continue on abusing Veterans like me and many others whom themselves have been affected with financial hardship due to the Covid-19 pandemic. I myself have had it mutiloke times and am recovering again. I know, I dont have to disclose this under H.I.P.P.A. Laws, but I hope by doing so, maybe it can shed some light on the abuses by Avant and how they wont take any blame. Instead, they will either blame the bank XXXX or their systems for errors. Please, CFPB hold Avant accountable for their bad behavior and unethical business practices. You can simply run a search on the subject of abuse/ abused by Avant Avant reviews and find many bad complaints and experiences in this horrible company that actually tries to call themselves a financial company. I ask for relief and my account be restored to on-time stays as well as all the false reportings to the credit bureaus by Avant for the last 200 plus days to made current. I expect to be offered a new low payment plan of at least {$10.00} a mont for 6 or more months as well. Im attaching how after responding on XX/XX/XXXX, Avant turned around immediately on XX/XX/XXXX and charged me fees and didnt even allow proper time under the credit card act or other laws to appropriately pay or even offer me a new plan as they promised they would in their response on XX/XX/XXXX.
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| 11/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I have been a valued customer since XX/XX/2022 and I have never missed a payment. I am emailing to request an appeal of my card credit limit being reduced from {$3000.00} to {$1500.00} and then being closed. I am requesting that my account be reopened and that my credit limit be restored back to {$3000.00} if not higher because of the unwarranted closing of my account.
On XX/XX/2022, I received an email from Avant Credit Card Company that stated, " Your AvantCard account was identified as containing a credit report with an active extended fraud alert. A fraud alert is placed on a credit report by a consumer to prevent identity theft. An extended fraud alert is for consumers who have previously filed qualifying identity theft reports with XXXX of the credit bureaus and lasts for XXXX years.
We have been unable to reach you at the number listed in your alert, or you did not include a valid phone number on your extended fraud alert. Unfortunately, if we are unable to contact you at a valid phone number listed on your credit report as required by your extended fraud alert, we can not validate your AvantCard account. You can update your extended fraud alert on your XXXX credit report by following the directions at https : XXXX Please contact us once the phone number on your alert has been updated and we will attempt to contact you again. '' When I called Avant, they stated that I needed to call XXXX and verify that my telephone number that I used for my Avant account was the same telephone number that was reflected on my XXXX Credit Report which is XXXX.
I called XXXX as I was instructed to do by Avant. I was also instructed that I had to contact Avant by XX/XX/2022, to let them know that indeed did contact XXXX and that my telephone number was correct. I re contacted Avant via telephone on XX/XX/2022 and spoke to Avant Phone Rep XXXX, which was before the XX/XX/2022 deadline to make Avant aware that I contacted XXXX to verify the telephone number that I had on file. So I have no clue why my account was still closed and my credit limit was reduced prior to closing my account. I am trying to buy a home and this has had a negative effect on my credit. I did exactly what Avant instructed me to do to keep my account open and Avant closed my account anyway which makes absolutely no sense. I am asking that my account be reopened and my credit limit be restored to {$3000.00}, if not greater as I have done nothing wrong.
In addition, I wrote a lengthy appeal email to Avant on XX/XX/2022 explaining the same thing that I put in this complaint. I received an email on XX/XX/2022 from XXXX XXXX which stated, " Dear XXXX, Thank you for reaching out to Avant! We sincerely apologize for any inconvenience caused. For better assistance, please reach us at XXXXAVANTCARD at your earliest convenience and any of our representatives will be happy to assist you. '' I think called Avant immediately as instructed by the email from XXXX XXXX and spoke to Avant Employee XXXX XXXX. I explained what was going on and every action that I have taken to stop my card from being closed, raise my credit limit to the original limit and re open the now closed card. XXXX XXXX was dismissive and stated that I needed to re apply for a new card and that I couldn't even do that until I paid off my current balance. I explained to him that this was ridiculous and that I would not re apply for a new card ( which would in turn hurt my credit ) when my current card should not have been closed in the first place and followed Avant 's instructions to keep the card from closing.
XXXX XXXX then stated that he would have a supervisor call me in XXXX minutes as the supervisors were currently busy and as of today, no one from Avant has called or emailed me to address this issue.
I had no choice but to contact the CFPB as I am powerless against the unfair practices of this company. I have been a loyal customer and I have never missed a payment. I also followed through with the instructions given by Avant in a timely manner and yet my credit card limit was cut in half and my card was then closed. They should not be able to just make up their own rules and treat customers this way. I really hope that this can be investigated and my account can be restored.
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| 03/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
Servicemember |
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So, on XX/XX/XXXX I received a response to my initial complaint on here : they stated : Avant 's records indicate that due to a system outage on the date that XXXX XXXX enrolled in the second re-age plan ( XX/XX/XXXX ), their account was not properly flagged as being on a payment plan. As a result, on XX/XX/XXXX, after 6 cycles of delinquency, XXXX XXXX 's account was charged off before they were able to fulfill the terms of their most recent re-age plan. On XX/XX/XXXX, as authorized, a payment in the amount of {$59.00} was successfully made on the account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX www.avant.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX www.avant.com Please advise XXXX XXXX that both payments of {$34.00} from XX/XX/XXXX, and the payment of {$59.00} from XX/XX/XXXX, have been successfully reversed. On XX/XX/XXXX, the payments were refunded to the bank account XXXX XXXX used to process the payments ; however, it may take up to 3 business days for the bank to release the funds. If XXXX XXXX has additional questions regarding these reversed payments, Avant recommends contacting their banking institution.
As a result, Avant has taken the following actions : The charge-off status has been reversed in Avant 's records as of XX/XX/XXXX, and is visible on XXXX XXXX XXXX Avant Dashboard.
A correction was filed on XX/XX/XXXX, with the credit bureaus to reverse the charge off and show the account as open which may take anywhere from 1-2 weeks to reflect on XXXX XXXX XXXX XXXX reports.
The delinquency has been reset to the level of delinquency at the time the re-age plan was initiated on XX/XX/XXXX, and will remain stable throughout XX/XX/XXXX, billing cycle.
The outstanding balance on XXXX XXXX 's XXXX is {$480.00}, with a past-due balance of {$160.00}, and a total minimum payment of {$190.00} due by XX/XX/XXXX. However, Avant invites XXXX XXXX to call back in to see what payment plans they qualify for by completing our financial situation review. They may also complete this review on their Avant dashboard. If no payment plan is available or accepted, and/or if no payment is made to the account by XX/XX/XXXX, the account will be charged off on the subsequent cycle, no later than XX/XX/XXXX.
Well, I was and still have not been offered the same plan again or even a new on on their website, app as they mention or even after contacting them. They also next after sending the above response immediately charged me late fess and interest. Someone needs to hold this company accountable! XXXX exploring allowing my XXXX. Senators, XXXX XXXX, XXXX of XXXX, Attorney General, the XXXX. to investigate and take the actions they fill needed against an abusive so called financial company as Avant, who seems to only want to lie in response to yall at the CFPB, but continue on abusing Veterans like me and many others whom themselves have been affected with financial hardship due to the Covid-19 pandemic. I myself have had it mutiloke times and am recovering again. I know, I dont have to disclose this under H.I.P.P.A. Laws, but I hope by doing so, maybe it can shed some light on the abuses by Avant and how they wont take any blame. Instead, they will either blame the bank XXXX or their systems for errors. Please, CFPB hold Avant accountable for their bad behavior and unethical business practices. You can simply run a search on the subject of abuse/ abused by Avant Avant reviews and find many bad complaints and experiences in this horrible company that actually tries to call themselves a financial company. I ask for relief and my account be restored to on-time stays as well as all the false reportings to the credit bureaus by Avant for the last 200 plus days to made current. I expect to be offered a new low payment plan of at least {$10.00} a mont for XXXX or more months as well. XXXX attaching how after responding on XX/XX/XXXX, Avant turned around immediately on XX/XX/XXXX and charged me fees and didnt even allow proper time under the credit card act or other laws to appropriately pay or even offer me a new plan as they promised they would in their response on XX/XX/XXXX.
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| 03/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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On XX/XX/XXXX I was approved for an Avant Master Card Credit card issued by XXXX of XXXX XXXX XXXX, UT On XX/XX/XXXX I scheduled a payment for the entire balance to post the same day I haf a little difficulty setting up first payment, entering new payment information but it allowed me to proceed so I thought everything was set.
On XX/XX/XXXX I received an email with headline " Your payment has been received '' On XX/XX/XXXX I received an email stating " Upgrade your Bank Account Today '' This was a generic headline and I thought it was a marketing email, not an issue with my bank account so I didn't open it. It did not state " '' Payment Has Not Been Received '' or something more clear, On XX/XX/XXXX I received an email stating that Payment Has Not been Received. A late fee + interest charges were applied to my account on XX/XX/XXXX On XX/XX/XXXX after realizing payment did not go through, I logged in and updated my payment information On XX/XX/XXXX ( approximately ) I called and explained to them that I did try to make a payment but had issues and didn't realize it did not go through until the XX/XX/XXXX email and that their XX/XX/XXXX email was unclear. They said over the phone that they could not reverse the late fee and that I would have to submit an online request. So I did and on XX/XX/XXXX they responded rejecting my request.
On XX/XX/XXXX I appealed this request On XX/XX/XXXX my appeal was rejected Not sure of exact date but I appealed a third time after XX/XX/XXXX On XX/XX/XXXX this too was rejected On XX/XX/XXXX My statement posted. I was charged interest either on top of interest and/or the late fee On XX/XX/XXXX My new statement posted and there was a charge for {$1.00} interest and a {$26.00} late fee charge.
on XX/XX/XXXX I went to use the card to place a deposit on a car rental and had to call Avant as card was not working. The representative of Avant said I had to make a payment equal to the late fee in order for the card to be used. Because I was not finished disputing the late fees, I did not want to pay more than I had to. So I made a payment of {$26.00}. I asked if I would be charged any additional fees if I did not pay full balance. The representative clearly said I would not.
I contacted them again protesting the late charge and asking for it to be reversed and again I was rejected. I told them what the representative had said and asked them to listen to the recording as it says when you call that all calls are recorded. This would prove that I was not making it up.
On XX/XX/XXXX this was their reply via email " We are sorry for any misunderstanding that may have occurred during your customer service experience. However, during our review of your account, we have been unable to substantiate your claim. '' On XX/XX/XXXX I was charged another late fee even though I made a payment and even though the representative said I would not be charged any fees.
So no new purchases were made since XXXX and I paid that balance in XXXX and even paid one of the late fees in XXXX yet I have been charged close to {$100.00} in fees and interest.
ON XX/XX/XXXX I asked for call transcripts since they said they were unable to substantiate my claim from XX/XX/XXXX.
I tried explaining to them initially that it was a new account and that it was difficult to see what account information you were entering because due to privacy protection, you can't see the numbers, just a star where the number should be. It doesn't make sense that I would sign up for a brand new card where an initial fee is required and then make a false payment.
Other than the transaction in XXXX, no additional purchases were made using this card. If their initial email notifying me that the bank account info was wrong was clear, none of this would have happened. If they had understood the error involved with the initial payment and reversed the late fee, I wouldn't be wasting precious time writing this email. It doesn't appear they even bothered to read any of the appeals to reverse the late fee and just rejected it automatically, without consideration.
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| 03/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Servicemember |
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I am filing a complaint against Avant Credit Card Services. Last year in XXXX, I contacted customer service to get the balance and the transaction posted to my account. The representative gave me the balance and transactions. However, she/the representative stated '' there were 2 charges on the same day on my account for {$57.00} from XXXX ''. I said, " those aren't my charges, I would never make do anything like that ''. She asked, " Do you want the fraud department to look into these charges ''? I stated, " Yes ''. She stated, " I will send your account to fraud to investigate the charges and told me it would take 8-10 weeks to solve the issues and 10 days to receive a new card ''.
It took over 10 days to get the new card. The investigation took 3 months to be solved. After speaking to the fraud department, they stated, " Never seen any charges on my account for {$57.00} from XXXX and was unsure why the representative told me that. It was inconvenient and ridiculous that you called customer service for help but get told incorrect information.
After speaking to the fraud department, I decided to pay my bill in full because this wasn't the first time I received incorrect information from this customer service.
I called on XX/XX/XXXX or XXXX and spoke with an agent about the balance and making a payment. The representative stated the balance to be paid in full is {$520.00} and proceeded to agree for it to be paid in full. After a few days, I noticed the money hadn't been taken out of my account. I never received an email about the payment was not posted or etc. I called between XXXX XXXX why the payment hadn't been posted to my account and the money wasn't drafted from my bank account. The agent stated she didn't see the payment being made. I asked to speak to a manager and the manager wasn't available to take calls. She stated a manager would contact me within 24-48 hours. I never received a call. I called back to speak to a manager the next day. and still, the same response is not available. As of today I still haven't received a call from a manager regarding this matter. I was disappointed and the response, I asked the agent to take my payment again and she begin to give me another balance with added {$25.00} late fee. I stated I called to pay the bill on time and why was I charged a late fee. My bill is due on the XXXX but I called on the XXXX and XXXX to pay the bill and I don't know what happen and why the agent didn't process the bill.
I also told this agent I wanted to pay my bill off and she was so quick to get off the phone until she forgot as well. I had to remind her I called to pay my bill. I did pay the bill and requested XXXX late fees be waived. On XX/XX/XXXX I called back to customer service about my payment because again I never received an email and the money had not been posted to my account. Another agent informed me that my bill had gone up again and additional interest was posted to my account. I asked why because the bill should have been posted to my account before interest started accruing. I asked for a manager and again the same response no manager is available. The money did not get posted to my account until another week later.
As of today no manager has contacted me about this matter and I still have {$25.00} late fees and interest on my account for the new bill which is unfair because I paid the bill on time with the agent on XX/XX/XXXX or XXXX so why. I can't help they need to retrain their employees when they mess up and managers need to stop hiding behind a desk with problems that need to be solved.
I have paid the bill off and no one has contacted me. I've had problems with this credit card since the day I open it up. I do not recommend this credit card.
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| 09/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I applied for personal loan with Avant on XX/XX/2022. I was approved for {$25000.00}. I had to provide my last 6 months of bank statements for income verifcation, and I had 14 days to do so. However, i had been using a new checking account the last 4 months, as I closed my old checking account because I was joint account holder with my husband and I had to close it and open new one if I wanted only my name on the bank account. So I could only provide 3 statements from my new account and another 3 I was supposed to get from the bank as it was going to be from a closed account and I had no access to those statements. Bank told me it will fake 3-5 business days to get those. So On XX/XX/XXXX, i contacted Avant and told them about the situation, that I currenly have 3 statements available in my new account, and I am waiting for the bank to provide me with the other 3 statments from my closed account so I can provide it to them for income verification. And Right off the bat, im being asked " So you want me to cancel this loan application so you can apply 3 months later? '' Realizing the stupidity and the lownlevel of IQ of the rep that Im speaking to and the fact that she clearly isn't understanding the situation, I cut it short and told her " No ; you know what never mind, i just wanted to let you know that it is going to take me a few more days to upload the documents. '' And we hung up. The next day, I get a call from Avant ; I missed, so I call back, and they are asking me to upload the bank statements again!. So I tell her again, " Look I the bank account that I have linked to your system is only 4 months old, and I only have 3 statements available, I am waiting for the bank to send me my 3 other statements so I send over to you to verify and It will be probably XXXX or XXXX of XXXX the latest. '' But I had until XX/XX/XXXX to submit those documents, so I was well within their timeline and guidelines. She seemed confused and put me on hold for a minute and came back with the following answer : " please check your Avant portal or your email for a decision on your application, you dont need to do anything else. '' I was shocked at the answer, since they were calling or emailing me since XX/XX/XXXX, to upload statements to complete the income verification and the loan funded. But I said OK. And we hung up. Then 20 minutes later I get an email saying " they can not approve my loan at this time because they couldnt verify the information ( assuming the income ). I called back, asked for supervisor or manager, angry and XXXX off from the fact that they asked for documents and didnt even wait for it and just declined the chance to get the loan ; while putting a hard inquiry on ny credit report. Hoever, they said supervisor id not available and they can not transfer me to a supervisor, and then they told me the supervisor is on a meeting, then told me the supervisor will call me on today. I havent received an email nor a call frrom a supervisor. This is not fair. They give me a deadline to submit documents, I am WELL within the time period, XX/XX/XXXX being the deadline, nothing on their terms and conditions says that my reauired statements must be from the same checking account, orelse you dont qualify for a loan. Just bad bad bad business practice. Damaging people 's credits with what now seems to be a wrongful hard inquiry and deny at their will. I need everybody to know this, and how illiterate the employees are. Specially if you run into someone named XXXXbut i need explanation from Avant to know what was this XXXX all about.
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| 01/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I first received an automatic email from the credit card company Avant on XX/XX/XXXX claiming they have been unable to validate my AvantCard account information via the phone number on file and on my XXXX file. This email alert was to inform me that if I didn't call them or email them back by XX/XX/XXXX, they would be closing my account. After checking that my information was correct on my AvantCard and XXXX accounts, I emailed them back on XX/XX/XXXX and confirmed my information is correct and to reach out if they have any questions. They never responded to my email. I then received another auto-email from them on XX/XX/XXXX claiming they haven't heard from me, were suspending my ability to use my card and to respond to them asap. I decided to call them this time. I called them on XX/XX/XXXX at XXXX to verify my identity and told them they never answered my email. I received verbal confirmation from their customer service that the issue was fixed and that I wouldn't receive these kind of emails anymore. She said she wasn't able to email me any kind of confirmation. I later received an auto-email from Avant on XX/XX/XXXX clearly stating that my information had successfully been verified and that my account is once again able to be used to make transactions. I thought from there on this issue was resolved. However, on XX/XX/XXXX, I logged into my account as I was about to use it to make a purchase and wanted to make sure all was well and saw a line on my account reading : " Your Avant Credit Card account ending in XXXX has been closed ''. I called into customer service that same day at XXXX and spent 76 minutes with them on the phone, very upset because they had closed my account without my consent and without any notice whatsoever. If I hadn't logged into my account that day I would not have even known. After the long call, they confirmed they would escalate the issue to have the account reopened as I did call in to verify my identity and made sure my information was updated. They called the next day, XX/XX/XXXX at XXXX to confirm that my account would be reopened. I thanked them and felt assured this issue would finally be taken care of. On XX/XX/XXXX I logged into my account to see if there was any update on the account status and saw the same closed account status from above. I called customer service again at XXXX that day and spent 26 minutes on the line waiting for an explanation. They said a request to reopen the account was sent on XX/XX/XXXX and that I had to wait 14 business days for the escalation team to fix my account. I stated I was never explained that by the person who called me on the XXXX, but that I'd wait a little longer before reporting this issue. Finally, I called in today, XX/XX/XXXX to get a final update as the closed account status is still on my account. The supervisor I requested to be transferred to continuously said I did not verify my identity and said my account will not be reopened. This is what happened to me every time I called in : I was shushed away by the reps as being the one at fault and have to repeat myself continuously. To the supervisor I expressed several times all of the above, including the fact that XXXX years of credit history is being discarded because of their negligence. I am now asking the CFPB to help make this right for me and to help make this known to others to warn them to avoid Avant and protect their credit from being affected. For further support, I have my phone carrier 's call records as proof, along with all of the emails mentioned.
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| 03/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American |
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Regarding the following complaints which they are all related to one issue of reporting to what happen in the AVANT CC account : 1 ) Complaint Number XXXX 2 ) Complaint Number XXXX 3 ) Complaint Number XXXX 4 ) Complaint Number XXXX I filed the above complaints to each of the 3 credit berries and the credit card company, AVANT. I also attached all the neceray documentation to prove what I am complaining about.
Myself and AVANT, the credit card company we are in agreement on the facts and we do not have any kind of disagreements or confusion of the facts behind my account with AVANT.
Simple way to say : 1 ) I opened the account with AVANT on XX/XX/XXXX ( please notice the year in every date ).
2 ) I missed one payment and by XX/XX/XXXX, I paid the balance due of {$410.00} in full ( the payment showed couple of days later on my bank statement on XX/XX/XXXX ).
3 ) on the same day I paid it in full, XX/XX/XXXX, I requested to close the account on the same day.
This exactly what happened and what myself and AVANT agreed upon that is the course of the event related to this account.
Now, it seems that the 3 credit bureaus did not want and do not want to that this is the fact of this matter and that myself and the AVANT cc company in agreement on this fact, so they decided the following : 1 ) that the account has been " CHARGED OFF '' by the AVANT Cc from XX/XX/XXXX till XX/XX/XXXX. It stayed on my record through out XXXX and I was rejected several times but I didnt notice what exactly, or I dint follow up why I have been rejected credit.
2 ) After I attempt to dispute the report of this account, the following took place : ( A ) XXXX notified me that the information on the report submitted by the AVANT cc is correct and that they testify under penalty of law that it is correct ; result : XXXX didn't change anything in my report.
( B ) XXXX send me a letter that there was an error documenting the AVANT report and instead of the " CHARGR OFF '' being from XX/XX/XXXX till XX/XX/XXXX, now after they checked it out, the 'CHARGE OFF '' is only XX/XX/XXXX and XX/XX/XXXX!! from where they got this information!!!?? I dont know. putting in mind that you can not " CHARGE OFF '' anything after being not existing at all. ( meaning paid off totally and closed account on XX/XX/XXXX!!, so again I called and disputed this fact and they opened another dispute to figure out wha tis going one. still waiting for the result though.
( C ) I called XXXX and make a dispute, in the beginning they never change anything as a result till I filed a complaint with you here, CFPB. I found out that they did answer me a couple of days ago and stating that AVANT responded and they are going to send me the AVANT response by mail!!!!! they did not say anything about if the info appeared on my report is accurate or not!!!! and I found out that CFPB " closed ' my complaint based on the notification fo the XXXX!!! I dont know till now what is the result because what I know is that. myself and AVANT DO NOT disagree on the facts that I just mentioned herein. They are trying to cover their mistake up, not sure how difficult it is reading AVANT reporting to them!!
( D ) I received an email from AVANT stating exactly the fact on the account as I herein stated and they mentioned to call the XXXX credit bureaus and complaint.
I understand that it will take 30 days to answer and in most of the cases they answered the complaint in 15 days or less.
Please I need your interference in this matter
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| 07/05/2022 |
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
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|
Web |
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In early XX/XX/XXXX, I noticed that my online statement showed a balance of {$330.00}. I immediately called to report that this amount was due to fraudulent charges because I had not used my Avant card since XXXX XXXX XXXXXXXX. The customer service agent I spoke to was very helpful ; she cancelled my card and issued a new one, and flagged all of the fraudulent charges for XXXX XXXX XXXX. I received a letter dated XX/XX/XXXX confirming that these fraudulent charges were under investigation.
Later in XXXX I noticed that most of the fraudulent charges had been eliminated from my online statement but there was still an amount of {$18.00} due on the account. I called again to report this error and was told that I should call XXXX XXXX XXXX to resolve this issue. I attempted to call the number on the letter I had received, but no one answered.
In early XXXX, my online statement showed that the {$18.00} amount was past due and a late fee had been charged. I called again to try to resolve this issue and the customer service agent gave me the name and direct extension for the XXXX Agent I should speak to. I left a voicemail message for XXXX, the XXXX Agent, but never received a call back. I received a letter from XXXX dated XX/XX/XXXX stating that they had completed their investigation and considered the claim resolved. However, the claim was not resolved ; late fees and interest continued to be added to the amount due. In early XXXX I sent a letter to Avant 's offices in XXXX and a copy to the XXXX Agent, describing this issue in detail and asking for it to be resolved. Despite this, late fees and interest continued to be added to my account and my XXXX statement showed a balance due of {$100.00}. Meanwhile, my account had also been reported to credit agencies as delinquent and my credit score started to decrease.
In XXXX I called customer service and tried again to resolve this issue. The customer service agent tried her best to help me but in the end she was not able to reverse the charges. She told me I had to call XXXX the XXXX Agent again to resolve it, and told me I could call back and ask to speak to a supervisor if XXXX was not able to help me. I tried again to call the XXXX Agent and left a voicemail message but she did not return my call. After two days I called customer service again and asked to speak to a supervisor ; I was told no supervisor was available but someone would call me back within 24 hours. No one ever called me back.
On my XXXX statement, some of the inaccurate late fees, etc. were reversed but it still showed a balance due of {$55.00}. On XX/XX/XXXX I once again called customer service to try to resolve this issue, but the customer service agent told me the only thing she could do was to escalate the issue to the complaint department and it would take up to 15 business days for them to respond. I asked to speak to a supervisor and was again told none were available and someone would call me back within 24 hours. No one has called me yet.
I have also tried filing a dispute about this issue through XXXX, several times, but the results keep coming back as resolved when they are not. I have had some email communication with Avant but nothing has been resolved- they do not even seem to understand what the issue is.
I would like this issue to be resolved ASAP and for Avant to correct their credit reporting so my credit score does not continue to be negatively affected.
|
| 05/05/2021 |
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
|
|
Web |
|
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I was solicited by AVANT via XXXX XXXX credit card company continuous offers in the mail. I finally decided to apply to the company online During the application process online I was asked all standard information and provided income information. I was immediately approved for XXXX limit AFTER a initial credit inquiry was ran, with the pending additional two items which was email verification and phone number. I provided both details asked of me however when I put in my number for a call through the automated application system their application system failed and did not call. I even asked for text verification and this was not done. So I then provided a alternate number where I could be contacted. I provided this number on Friday same day I applied. This number also did not receive a call. I emailed regarding the issue and i received an email from XXXX stating to contact the office at the time i was working and could not. Saturday during the day i received a call to where XXXX wanted me to verify my identity I gave my name address and phone number he then placed me on hold to where he ran an ADDITIONAL HARD INQUIRY on my credit but did not notify me he told me i was being placed on hold so he could update my phone number that he had just called me on. Then after this was done i mentioned it because i have instant alerts when my credit is ran i asked " why is a second inquiry happening from you all on my credit '' the Representive denied it however i was able to provide the details. After he continuously denied i was in fear that i was dealing with a unscrupulous company. I then asked for a superior to where XXXX came to the phone and apologized for my experience & stated to me they would just need me to now also scan a copy of my drivers license and this would be all for them to send the ALREADY approved card. I was reluctant however I complied because i was told the card was already approved but this was just the FINAL step. I was in fear so i took screenshots of the entire application process and what was being asked and the area where it stated APPROVED for XXXX limit.
After uploading this i was then asked for a " XXXX '' of myself to where i was NOT told this was apart of the application process and at this point it was becoming extremely invasive and ridiculous. I was not able to find ANYWHERE on the site where this was apart of the application process it only mentioned uploading DOCUMENTS, nor anything regarding " selfies '' I then first thing Monday XX/XX/21 morning sent an email with ALL SCREENSHOTS and requested my application be closed. I then received an email back stating my application was denied for my credit score however the application was already approved so not only did this company mislead me and do TWO hard inquires on my credit. When i requested to close the application due to the odd nature of the application process to which I could not find what was being requested of me anywhere on the site. I was then mysteriously denied after already being approved, and this was done to me after I was solicited to apply. I do not think this should happen to anyone else my credit score will now be affected from this and I do not think it legal to operate in this way. I have documents to back up this entire ordeal should they be needed.
|
| 09/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I called in to Avant to close my credit card account in XX/XX/XXXX and inquired about the proper steps to take to close out my account. After gathering information on how to close my account I then submitted a request to have my account close, and it was closed on XX/XX/XXXX. When my speaking to an agent from Avant while t close my account I inquired about the closing balance and I was provided with a closing balance of {$330.00} based on my statement on XX/XX/XXXX. Again, this writer called Avant customer service multiple times to inquire about how to properly close my account and I was told that I must pay off the closing balance, which was {$330.00} ( calls are recorded so I am requesting for all calls from XXXX to current to be reviewed to find out what occurred ). My original card amount was for {$300.00} and I had additional fees associated with closing out my account.
This writer then paid off the closing statement balance in two installments as follows : {$75.00} on XX/XX/XXXX ( My XXXX bank statement attached showing payment made ) {$250.00} on XX/XX/XXXX I then realized on XX/XX/XXXX that I was still being charged on this account that I was told should be closed after the closing statement price. That's when I called in to Avant customer service to inquire about why I was still being charged after paying off the closing balance. I was then told by an Avant customer service agent that they would refund the late fee, and my account would be properly closed. Furthermore, I should receive a credit on my account, which will be sent to the card on file. This writer spoke with an Avant representative on XX/XX/XXXX and was told that I will be receiving a credit for {$21.00} and my account has been properly closed and there is nothing else that is owed. After the phone call I then received an email stating the following ( email also attached as evidence ) : Dear XXXX XXXX, Thank you very much for your patience. We're writing to let you know your refund has been scheduled and we apologize for any inconvenience caused.
Here are the details concerning your refund : Payment Method : Direct Deposit Account : XXXX XXXX XXXX Last 4 digits of Account Number : XXXX Amount : {$21.00} *My XXXX bank statement attached showing credit from Avant It seems like after they returned credit to my account they then charged me XXXX the following month, which is a CLEAR MISTAKE, that they refuse to fix. I also attached billing statements.
Two months later, I noticed that my Avant account has a balance and then I called in on XXXXThis is when I was told that Avant had a glitch when attempting to close my account out, and I could only get a resolution by sending this email.
This is so wrong because my credit will be impacted negatively by this " glitch '' in closing my account out properly. Then I was told that someone from Avant will reach out via email, which never happened, and my credit is negatively affected.
My account is STILL showing active when its supposed to be closed.
I am requesting for my account to be closed out properly and for any negative reporting on my 3 credit reports to be removed.
****Attached are all supporting documents in regards to me closing out the account with no balance, but actually receiving a credit in XXXX.
|
| 10/10/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
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Web |
|
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I checked my credit report with XXXX. A day or so later I got a denial of credit email from a company called Avant. I replied to their email, saying that I had not applied for credit with them, and to please remove my information. ( BTW, their interest rate was something around 750 %. How is that legal? ) Below is the email conversation.
***************** Avant replied XX/XX/XXXX, XXXX Hello XXXX XXXX Thank you for inquiring about a data request. In order to complete your request, please respond to this email ( XXXX ) by indicating which of the following describes your relationship with Avant : You are a current or former customer of Avant.
You have submitted an application for credit through Avant but have not received a credit product.
You are a current or former employee of Avant.
You have applied for a job at Avant.
You are a current or former employee of an Avant business partner.
None of the above. You have visited the Avant website ONLY.
After you provide this information, we will respond concerning your request within 45 days or sooner. We look forward to assisting with your request.
Sincerely, Avant Avant XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX http : //www.avant.com/ For more information regarding our privacy practices, please click here.
XXXX XXXX replied XX/XX/XXXX, XXXX I didnt even visit your website. XXXX forwarded my info to you after I checked my credit report. Please delete anything you have on me. Im so tired of XXXX taking liberties with my information.
Thank you.
Avant Data Requests XXXX To : XXXX XXXX Thu, XX/XX/XXXX at XXXX XXXX XXXX replied XX/XX/XXXX, XXXX Hello XXXX XXXX XXXX Thank you for submitting a data request. Avant is dedicated to the principles of transparency and fair processing of personal information. Due to XXXX current information collection practices, we are unable to honor your request. As an applicant for a credit product through the Avant platform, the information we have collected about you is subject to the Gramm-Leach Bliley Act. We are not required to disclose, delete, or limit such information and Avant is permitted to use such information for our legitimate business purposes, such as fulfilling our legal and compliance obligations.
For more information about how we interact with the data of our current and former customers, including the categories of information we may have collected about you, please see our Customer Privacy Notice. For general privacy practices in relation to our website, please see the General Privacy Policy at avant.com.
Additionally per the request received we will cease further communication following this response.
Sincerely, Avant XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX http : //www.avant.com/ For more information regarding our privacy practices, please click here.
How is this not fraud? They mention the Gramm-Leach Bliley Act. It shouldnt apply to my situation because *I didnt apply* for a loan. I think the companies XXXX promotes are shady at best, and XXXX should not be selling credit while they hold the lives of so many in their hands with their poor credit reporting practices. Conflict of interest at its worst, and the government sits back and watches it happen.
|
| 01/09/2023 |
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
|
|
Web |
|
|
On XX/XX/XXXX or XXXX, my Avant credit card went missing/stolen. I called Avant to report my card lost/stolen and they went over the transactions that occurred on XX/XX/XXXX, there were about 6 transactions on my card that were not authorized and all totaled for about XXXX XXXX which weren't done by me and I filed a dispute.
Weeks went by and I haven't gotten any kind of correspondence from them on what do to on my part, if they need anything for me or who is my point of contact for any update, I called customer service and they were able to get me an email address to contact Avant claims and I emailed them on XX/XX/XXXX for an update.
I got a letter in the mail dated for XX/XX/XXXX from XXXX at Avant claims that the bank has determined that these charges were valid and done be me. I may have either emailed or called ( sorry I don't remember ) asking them on what basis was there investigation based on? XXXX emailed me on XX/XX/XXXX that the Banks decision is final. I got advice from one of my friends who works in financial institution and advised me to file a police report regarding the fraud ( which Avant never asked for ) after I filed the report and emailed XXXX a copy on XX/XX/XXXX.
On XX/XX/XXXX XXXX said she has forwarded police report to the bank, I got a letter in mail posted for XX/XX/XXXX stating the investigation is done and it went towards my favor and charges were reversed, the charges were reversed however there was still a balance, and it on XX/XX/XXXX it shows those same charges appeared again, I emailed XXXX regarding the duplicate charges and she pretty much washed her hands and said she has nothing to do with those charges and contact customer service and every time I contact them I get sent to collections.
Then on XX/XX/XXXX I emailed Avant claims again regarding the duplicate charges, on XX/XX/XXXX they responded and were able to reverse those charges, but I still have a balance of XXXX XXXX due to interest and late fees that occurred from the fraudulent charges and they washed their hands and said they can't correct those and told me to call customer service. I called and like always they sent me to collections and I spoke with a collections agent and explained to them the story and the agent initially said that I'm responsible for those charges and I told her no those are not charges that I authorized and then said " well you have to make a payment in order to use your card '' I said " that doesn't make any sense, why would I make a payment on this card when those charges occurred due to fraud? '' the agent said, " well you do have to make a payment regardless to use the card '' I responded by " that doesn't make any sense, your saying that if balance is XXXX XXXX I have to make a payment of XXXX XXXX to use the card? '' she said she will have to file some sort of a dispute.
By the way, I have yet to use this card this card for any purchases, I should have a XXXX balance they have report my account to all 3 credit bureaus in a negative way which has affected my credit report and score, I would like to get this all fixed be back to square one, if you have any questions or need any documents, please let me know thank you XXXX XXXX
|
| 08/01/2022 |
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
|
|
Web |
|
|
On XX/XX/22 someone submitted and was approved for a Credit Card through XXXXAvant after a hard inquiry was submitted to XXXX. I called Avant the next day and was told that the account would be placed under fraud alert and investigated, and to email their compliance address for further information.
For the last 2 months, I have been emailing and calling Avant to request that : 1 ) The inquiry be removed from my XXXX credit report 2 ) The account be closed and documentation of actions taken and confirmation of account closure be sent to me in writing, as well as documentation of the information used in the account application so that it may be submitted to law enforcement and I can understand what of my information has been compromised I have called on 4 different occasions and emailed them repeatedly. Their phone support refuses to provide any information or documentation other than telling me that the account is under fraud review. They will not connect me to an actual fraud department or provide their contact phone number. Rather they just provide an email address, however they have given different email address and Avant has not responded to any of the messages to any of the addresses, with the exception of a single response stating that they could not find an account and to call their call center, which again triggered the same cycle of dead end with the call center and advised to email the same address that just referred to the call center. I replied to that one response which also went unanswered. I was also initially told I would receive an affidavit in the mail which turned out to be false, as the next time I called they said that would not happen and I have never received anything in the mail.
The only response I have been able to get is through a complaint submitted through the XXXX XXXX XXXX Through the XXXX, Avant has stated that the account has been closed and no further action is required, that they have removed the information from my credit report, and that they are unable to provide anything in writing. As this is a 3rd party, this response was appreciated but inadequate as without any confirmation directly from Avant there is no evidence that any of their actions have actually occurred.
To date, I have confirmed with XXXX that despite Avant 's statement it had been removed, the inquiry in fact has NOT been removed. There is also no evidence that the account is actually closed, as it is still available through their phone system but apparently has not been activated.
To date, there is no verifiable or confirmatory evidence that the account has been closed or any action has been taken to address the fraud as required by the FCRA. In fact, attempting to confirm what I've been able to has proved that the information they've given is in fact false. I have asked for their process and address to send requests in writing, but their call center will not provide either and clearly does not have the required processes in place to prevent and resolve fraud.
It is completely unacceptable to not provide any written communication or documentation in this situation, particularly as noted by the CFPB FAQs on the FCRA.
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Subject : Formal Complaint Regarding Unauthorized Hard Pulls on My Credit Report I hope this letter finds you well. I am writing to express my deep concern and frustration regarding a persistent issue that has severely impacted my financial well-being. Despite numerous attempts to address this matter, I find myself compelled to escalate the situation in hopes of obtaining a resolution.
Over the past year, I have noticed a significant number of unauthorized hard pulls on my credit report, the majority of which have been initiated by Avant, as is evident from the records on my credit report. These unauthorized inquiries have amounted to more than 20 hard pulls within a span of less than one year. I have promptly taken action by reporting this issue to all three major credit bureaus, but the response I received from them was disheartening.
When I contacted the credit bureaus to rectify this situation, I was advised to contact Avant directly to address the unauthorized hard pulls on my credit report. Despite my sincere efforts to communicate my concerns to Avant, I have yet to witness any meaningful action being taken to rectify this situation. The lack of response and accountability on the part of Avant is not only distressing but also highlights a blatant disregard for ethical and legal practices.
The repercussions of these unauthorized hard pulls have been profound and far-reaching. My credit score has plummeted to an abysmal XXXX, a stark contrast to the responsible financial behavior I have maintained throughout my financial history. This sharp decline in my credit score has not only caused me emotional distress but has also adversely affected my financial opportunities. I am well aware of the legal implications surrounding unauthorized hard pulls, and it is both disheartening and infuriating to see my rights being disregarded in such a manner.
I strongly believe that these unauthorized hard pulls have been intentionally inflicted to keep my credit score artificially low, thereby coercing me into paying exorbitant interest rates. This practice is not only unethical but also potentially illegal. I implore you to consider the immense stress and financial hardship that this situation has imposed upon me, and I kindly request that immediate action be taken to rectify this matter.
I expect a thorough investigation into this issue, followed by a prompt and appropriate resolution that includes the complete removal of all unauthorized hard pulls from my credit report, along with a comprehensive explanation of the steps taken to prevent such occurrences in the future. Furthermore, I request a formal apology for the distress caused by this situation.
I genuinely hope that my concerns will be treated with the seriousness and urgency they deserve. I am prepared to take whatever steps are necessary to protect my rights and ensure a fair resolution to this matter. I anticipate your prompt response and resolution of this issue within [ reasonable timeframe, e.g., 30 days ].
Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my rightful credit standing.
|
| 06/11/2022 |
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
|
|
Web |
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This is another follow up to my identity theft case. I will outline below what I previously reported to Avant by phone on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as by email on XX/XX/XXXX. Avant has yet to respond to my inquiries and requests for an affidavit to complete regarding this fraud. Since Avant refuses to respond to me, I will send a copy of this email to the FTC ( I originally reported to them on XX/XX/XXXX ), Virginia 's Attorney General, the Consumer Financial Protection Bureau, XXXX, XXXX and XXXX.
On XX/XX/XXXX, I received an email from XXXX letting me know that there was a change on my credit report. I was given MyIDCare services after my SSN was stolen during the XXXX OPM breach. I looked at my report and noticed a fraudulent address ( I have never lived in XXXX XXXX, NJ ) and a company I had never heard of ( Avant ) showing a fraudulent charge of {$1500.00}. Confused and assuming it was just an honest mistake, I called XXXX to clear this up.
On XX/XX/XXXX, Restoration Specialist with XXXX called me and we had a conference call with XXXX at Avant. XXXX gave me an ID number, told me he would email an affidavit for me to complete and said I would hear back from Avant by Monday, XX/XX/XXXX. He never sent the affidavit and I never heard back from Avant.
On XX/XX/XXXX, I called the phone number he gave me to call with any questions on my claim ( XXXX ) but the Avant employee, XXXX, told me she couldn't understand why he gave me that phone number, since no one there has access to fraud cases. She gave me this email and I sent a request on XX/XX/XXXX for information on and the status of the fraud investigation. Again, Avant did not respond to my email.
After receiving a Dispute Resolution Report from XXXX stating that after an investigation, Avant insists there was no identity theft, yesterday I called XXXX and we conference called with XXXX and then XXXX from Avant. Again, I requested an affidavit to complete, gave her the case number, and reviewed the history and asked her the status. She said the only option I had was to write to you again and repeat everything.
None of this makes any sense. When this person used my ID to get this card, I had {$50000.00} in available credit from XXXX and XXXX, with no annual fee and generous cash back. I also have a XXXX credit history of paying the full balance of all bills, on time. And I have never come anywhere near my credit limit. It appears this person immediately exceeded the limit and paid the minimum to keep the account open. This is what I need from Avant : An affidavit for me to complete.
Documentation of the original fraudulent application.
A listing of the fraudulent purchases and cash advances of the {$1500.00} or whatever they have spent up to this point.
All documentation pertaining to this dispute investigation. Any information you discovered could be helpful because this person continues to apply for credit using my name. Just yesterday someone ( probably the same person ) applied for a XXXX XXXX XXXX XXXX using my identity.
A statement from Avant saying that I am not responsible for the charges this person incurred.
|
| 04/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I am happy to provide PDFs of communications to prove the following if Avant is unable to locate them.
1. Within the past six months, Avant approved a credit card in my name with a {$300.00} limit.
XXXX. Until XX/XX/ in the later afternoon, I did not have a balance on the card.
XXXX. On the morning of XX/XX/XXXX I advised Avant of my new address ; I similarly advised other creditors of this address change.
XXXX. Avant did not provide ( and presumably does not provide to everyone, but who knows ) a way to change your own address. Instead, it required me to send them an email advising of my new address.
XXXX. Avant sent me an email " requiring '' me to provide them proof of my new address.
XXXX. Avant did not detail why it " required '' proof of my new address.
XXXX. I have never encountered a creditor requiring proof of address after the initial application.
XXXX. In response to the customer service person, I wrote asking for an explanation as to why they required me to prove my address.
XXXX. Avant responded by directing me to call their customer service number.
XXXX. I responded by indicating I preferred that ( i ) they explain their reason in writing ; and ( ii ) if I was required to do so by the terms of our contract that they cite the relevant provision, While I was not rude, I was certainly direct. I questioned why they were declining to respond substantively in writing- this is particularly relevant considering they initiated their demand in writing, XXXX. Avant responded in two further emails in which ( i ) it did not even address my question, much less respond to the substance of the question, and ( ii ) referred me to call their customer service.
XXXX. In my final response at XXXX XXXX., I indicated that I expected a response in writing.
XXXX. They have not responded.
XXXX. On its face, this may seem like a ridiculous complaint. The card member agreement available on their mobile app ( after you log in ) does not " require '' me to provide the proof they describe. ( ii ) They seek to discuss this matter in a forum ( by phone ) in which there is no trail of the what was discussed other than, presumably, their customer service person 's notes. I don't accept that kind of power struggle. Written communication is perfectly acceptable, creates a paper trail, and I don't see anything that compels me to communicate in the manner which THEY want, so long as I communicate with them, which I have done.
XXXX. Simply put, I don't trust Avant to stand by whatever statements it may make over the phone, and I suspect they will close/limit my account which is why I am filing this complaint perhaps precipitously. I do not have the realistic option to close this account because doing so will hurt my credit rating even though it is already most positively described as " rebuilding. '' I appreciate that I am " raging against the machine '' here and that I probably look like a pedant. But I don't like being bullied, and I don't like companies that absolutely REFUSE, the way Avant has, to answer the legitimate question they are asked in response to their question.
|
| 01/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I have an account in good standing with Avant.
My card expired in XXXXXXXX XXXX XXXXXXXX and I was issued a new one. I was also charged my annual fee at the same time.
By the time I received the card I was unable to activate it because too much time had passed.
I was issued a new card which took approximately XXXX weeks to receive. I attempted to activate the card and received confirmation that the card was active however, when I tried to use the card, it was declined.
I contacted customer service and was told that the problem was that my card was not activated and they would take care of that for me. I was then told they received an error message stating the card could not be activated because the maximum attempts had been reached.
I was told the only remedy was to issue me a new card, so I waited another XXXX weeks for a new card to arrive.
When that card arrived, I attempted to activate it, received confirmation that the card was available for use, tried to use it and was again declined.
I called the company again and received the same information about this card as the last. It was not active, they would activate it for me, they couldn't activate it because the maximum attempts had been exceeded even though the only attempt to activate it was my initial one.
Again the only remedy I was offered was to be issued a new card which would take another XXXX weeks to arrive.
The new card arrived with the same results and I still did not have an active card.
This time I requested that they issue the card with a different number as all of the previous cards had had the same number and I thought maybe that was why there was an error regarding number of activation attempts.
I was told I would be issued a new card number and I should receive my card in approximately XXXX weeks. When I received this card it had the same number, same issue. I still could not activate my card.
At this time I called and reported my card lost in order to ensure that I received a new card with a new number. After XXXX weeks I still had not received a card so I called the company and was informed there was a backlog and it was taking approximately XXXX XXXX XXXX days to receive a new card.
I did finally receive my new card with a new card number, but again was unable to activate it.
I have been told on XXXX separate occasions, upon requesting a supervisor ( and after being placed on hold for several minutes ) that a supervisor was unavailable but would call me to discuss this issue. That has never happened.
I was also told that they would take other steps to ensure that my card was activated and I would be able to use it within the next XXXX to XXXX business days. I was told I should receive an email confirmation when the card was ready to be used. That never happened either.
It has now been nearly XXXX XXXX and I still do not have a valid card for this account, despite being charged the annual fee and being issued at least XXXX new cards since since my original card expired.
I have also been charged and paid a fee for services I am not able to use.
|
| 06/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Older American |
|
On thursday, XX/XX/XXXX @ approx. XXXX, I had been applying for a debt consolidation loan under Avant Banking XXXX XXXX, ) they helped me to find various lenders willing to extend me a consumer loan with a specific amount i requested to borrow, with an option of loan term payments. Avant bank ( XXXX ) continually sent me emails requesting me to either call them, or provide general information. An email under the same name showed up and i 'assumed " it was 'Avant Bank'..they asked me for more information, as follows, i pasted the email contents : Avant Hi XXXX, Thank you for applying to Avant Banking*.
Were thrilled to have received your application, however, we need more information to complete the review process.
Please provide all of the following items to complete the review of your application : Photo of your unexpired U.S. government-issued ID - such as a driver 's license or passport Cell phone bill dated within the last 30 days in PDF format ( must show your phone number ) Proof of address dated within the last 30 calendar days in PDF format - such as a bank statement or utility bill ( must show your full name and residential address ) Photo of your Social Security or Individual Taxpayer Identification Number card Please note, documents submitted must be clear, legible, and in its entirety - otherwise, it will not be accepted.
For the security and protection of your personal information, please submit the requested documents by using this link : Secure portal to upload documents We can hold your application until XX/XX/XXXX. If we dont hear from you by then, we will not be able to give any further consideration to your application.
If you have any questions, feel free to reply directly to this email. Thanks again for your interest in Avant Banking!
Here when you need us, XXXX *Avant, LLC is a financial technology company, not a bank. Banking services are provided through XXXXXXXX XXXX XXXX XXXXXXXX, Member FDIC.
Avant THAT ABOVE, IS THE EXACT CONTENTS OF THE MESSAGE, PLUS, THIS SEPARATE WINDOW WAS USED FOR ME TO UPLOAD MY PERSONAL INFORMATION TO THEM, USING WHAT THEY CALL THE : Secure File DROP HERE IS THE LINK : XXXX XXXX XXXX Like an XXXX ... i sent them the following : A COPY OF MY XXXX BANK STATEMENT, A COPY OF MINE AND MY WIFE 'S SOCIAL SECURITY AWARD LETTERS, A COPY OF MY TEAMSTERS XXXX XXXXXXXX XXXX AWARD LETTER, AND A COPY ( FRONT AND BACK ) OF MY TEXAS DRIVER 'S LICENSE. I then opened an email from AVANT Bank..for me to call. ( XXXX ) - a gal answered and i told her about sending the info in, and she told me they were NOT AFFILIATED WITH SUCH AN OUTFIT, AND THEY WOULD NEVER ASK FOR SENSITIVE INFORMATION. iT WAS A PHISHING SPOOF AND SHE TOLD ME TO REPORT IT to the specific email address where one reports phishing scams, I also initiated a FRAUD ALERT to all 3 credit bureaus, and you as well. I am attempting to delete my email address and open a new email account, changing BANKS, and taking deposits out of my bank until we get a new bank! well... that's it. I am a XXXX yr old baby boomer tech-dunce.
|
| 10/09/2023 |
Yes |
- Credit 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
|
|
Web |
Servicemember |
|
I am sick and tired of this absurd situation. This XXXX be the worst company ever to do business with and they are completely incompetent. Attached is the latest message I sent to them on XX/XX/23 to all the email addresses I have been told to send correspondence. XXXX XXXX XXXX XXXX XXXX XXXX Thank you again for providing another worthless, XXXX response. The level of incompetence at your companies is alarming and brings an entire new meaning to the word shyster. It is now clear this is all by design in an attempt to either pass liability to another company or as a intentional game to make it so a customer gets nowhere with the process and hopefully acquiesce to the stupidity. As you can clearly see, I already did what you stated ( contact the fraud department ) multiple times at this point, both on the phone and through email ( which is clear since the email address is in the list of addresses to which the previous emails were sent ). I also called the number and spoke to multiple people there over the past few months and am just repeatedly told to contact Avant because the fraud department ( some strange outsourced company ) do not make the decision and there is nothing they can do because Avant made the decision. As previously stated, once I communicate with Avant again all I am told is to recontact the fraud department. The XXXX department is a third party company and every time I contact them and get nowhere and request to file a complaint and ask what company they are, the representative hangs up on me without filing a complaint, transferring me to a XXXX, or telling me what company they are.
XXXX 's policy is XXXX XXXX XXXX for unauthorized charges, which applies here. You are in violation of XXXX 's policy as well.
Once again, I am writing to notify you that you are in violation of the law ( which for whatever reasons seemingly mean nothing to you and will definitely come back to haunt you ) and I will be seeking damages if you do not immediately resolve this by removing the charges and fees and also rectifying all the erroneous information submitted to the credit bureaus. You already significantly violated the law and it caused harm to my financial records and adverse action against me.
As previously stated in emails on XX/XX/23, XX/XX/23, XX/XX/23, and multiple other instances over the past few months, this needs to be resolved as I still have not received a refund for the fraud and you are still trying to collect from me while reporting my account as late and over limit to the credit bureaus, all of which is in violation of the law of the XXXX Credit Billing Act. Once again, please find attached the complaint submitted to the CFPB, ( which I will be resubmitting should you not immediately resolve this ). Thank you for your help immediately rectifying this as I am not liable for fraud. XXXX has XXXX XXXX XXXX. Please immediately remove all the charges/fees/etc. on my account and rectify the information reported to the credit bureaus. Thank you for your help rectifying this immediately.
|
| 04/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XXXX, I received notification from a credit monitoring agency that I had opened a new account. In fact, I had NOT opened a new account. We accessed this information and found that the new account, using my name and SSN, had been opened with Avant LLC/Web Bank XXXX We contacted Web Bank immediately. They allegedly flagged the account and sent us the paperwork to fill out to have the investigation opened. We filled out the paperwork expeditiously, including having it notarized and filing a police report. We faxed the paperwork to them on XX/XX/XXXX.
On XX/XX/XXXX, we received this email response from Avant. " We are sorry, but we are unable to accept the Identity Theft Affidavit you provided because it is not notarized and the Law Enforcement Report you provided because both documents must explicitly reference Avant.
Please submit an updated Identity Theft Affidavit and Law Enforcement report. Filing a false Law Enforcement Report may result in criminal prosecution with penalties up to a felony conviction. '' As I stated, the affidavit WAS notarized and that page was included in the original fax as was information mentioning their company. Upon doing research with another reputable ID protection agency, this is an unusual bit of nitpicking from a credit card company to flag a fraudulent account and have it removed from my credit.
In the meantime, the card has been maxed out, despite allegedly being flagged as fraudulent, and my previously excellent credit score has dropped XXXX points to very good. The credit card issued by Avant was a small card with a XXXX dollar limit. In addition to my attempts to prove this was not me, it makes no sense that I would take such action and behave this way with a credit card for credit risk applicants. According to my credit report, I have only used 20 % of my legitimate available credit, which extends into the XXXX of thousands of dollars. Why would I open a {$500.00} limit card and immediately max it out?
Additionally, their communication with us has been lax. Because of my work hours and environment, I can not make personal phone calls. My wife tried to call, but they refused to talk to her. Twice, I have had to leave work early just so I can stand in our living room for 5 seconds and verbally give them permission to talk to her. According to advice I have been given, we should only have had to do that once, and the account should have noted that she was allowed to speak on my behalf. We have also tried to call numbers that were given to us by Avant 's agents that were supposed to go directly to the fraud department. This number, XXXX, which we have tried to call three times, only elicits the high pitched squeel of a fax line. We have also sent emails to the address that their agent gave us, XXXX. Their agents assured us that someone would respond. No one has.
Avant/Web Bank is giving me the run-around when I, in fact, am the victim. Their poor business practices is causing distress, and they refuse to fix their own mistake.
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not being shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Pursuant to the Fair Credit Reporting Act 15 USC 1681 section 602 a says " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer.
I have the right to make sure my private information isn't shared which is supported by 15 USC 6801 which says " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' AVANT LLC/WEB BANK is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' AVANT LLC/WEB BANK the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.
Any and all consent to XXXX, XXXX, AVANT LLC/WEB BANK whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' AVANT LLC/WEB BANK Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' TAKE NOTICE I am opting out of your reporting services.
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right XXXX privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which Is backed by 15 USC 6801 which states '' 'It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those ON customers ' nonpublic personal information. '' Avant is a financial institution by definition under that title, 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Avant the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Avant whether it be verbal, non-verbal, written, implied be otherwise is revoked. XXXX5 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to. a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Avant Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the XXXX XXXX XXXX. 15 U.S.Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681e of this title and and to to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 01/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
On or about XX/XX/2022, I received a call from an Avant representative regarding my late payment from XX/XX/2022. I explained to her that I had been very sick and was still sick in bed. The representative was nice and she offered to waive my late fee since I was sick, which I thought was very nice of her. The representative stated that when I was able to call back in a couple of days, the fee would be waived.
I called back in a couple of days to make my payment and requested the late fee to be removed as the representative stated would be done. Instead of doing a credit while I was on the phone, they put in a request, which I received an email a couple of days later stating that the request was denied. I called back to inquire as to what was going on and no one seemed to have the basic comprehension or basic understanding of banking principles, that they were obligated to uphold what was offered by the representative to the customer.
The misrepresentation from the Avant customer service team appears to be very unprofessional and highlights that they are untrained in basic consumer affairs regulations and principles as well.
It is against basic banking principles and consumer affairs regulations, to misrepresent offers and or services to the customer.
This has gone back and forth with them for a month and they were also warned and informed not to report the account 30 days late to the credit bureaus, since it is under dispute, which they did, in violation of the FDCPA and other regulations. ( Which again, they appear to not have any understanding of ) I have recently called to close the account and notified them that I will be handing the matter over to legal counsel to review my credit report for reporting violations and banking ethics violations.
I will ask counsel to file suit in the XXXX of Virginia, asking for damages and remedy for the above banking and consumer affairs ethics violations. I will be seeking the maximum {$5000.00} in civil court damages as well as being responsible for all legal fees.
This started out as a very simple late fee issue and has been turned into a mess by your associate company Avant. To me or any other customer, removing the late fee as offered and promised by their fellow employee, is and was just the point of the matter.
In an email that they sent to me, someone tried to gloss over the fact of upholding the representative 's offer and promise, with gibberish from the basic cardholder terms, further insulting my intelligence, because the basic cardholder terms, had nothing to do with the offer and promise by the representative.
They mentioned XXXX in a response to me, which again was written by someone who failed to address the correct facts of the matter and which only made you a party to this complaint.
|
| 09/27/2022 |
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
|
|
Web |
|
|
I was approved for an Avant Credit Card on XX/XX/XXXX. I received an e-mail XX/XX/XXXX that my was card has been activated. Also on XX/XX/XXXX the card that was activated, {$620.00} was charged on the card. I called Avant on XX/XX/XXXX @ XXXX spoke with XXXX ( Avant Customer Service Department XXXX, informed her that I never received the card and I did not activate the card ; I also informed her that I did not make the purchase of {$620.00}. She transferred me to the Fraud department, I spoke with XXXX and made her aware of the information above. She canceled that card and issued a new one. She advised me that Avant is the only one that can credit the amount back to my card. On XX/XX/XXXX @ XXXX I called back to Avant Customer Service spoke with XXXX until XXXX, she stated she will make sure the matter is resolved an escalated to a Manager and Supervisor have them to call me back, she told me the purchase on XX/XX/XXXX, was made at XXXX 's XXXXXXXX XXXX XXXX XXXX, I looked up this store number on the internet and found this store is located in XXXX Maryland XXXX I have called Avant Customer Services Department daily with no resolution, I kept being bounce back and fourth to fraud department that keeps bouncing me back to Avant Customer Service. On XX/XX/XXXX I received my new card. On XX/XX/XXXX I called Avant spoke with XXXX to see why my new card has been locked. Per XXXX my card was locked due to frequent activity and need a copy of my drive license. I sent a copy of my drivers license to Avant on XX/XX/XXXX @ XXXX. On XX/XX/XXXX, XXXX I received an e-mail from Avant indicating they received my license information. I continue to call Avant Customer Service XXXX to follow up on my fraud claim, still was bounced around no return calls from Manager and or Supervisor, which I requested during every call. Finally on XX/XX/XXXX, I was informed that my Fraud Claim Specialist is XXXX and she would be handling my case. I called XXXX everyday and left voicemail message with no return phone call. On XX/XX/XXXX @ XXXX, I received an e-mail from XXXX XXXX she is handling my case, she request a police report. I contacted the XXXX XXXX XXXX department spoke with an officer, made him aware of what went on with my credit card on XX/XX/XXXX. He stated they do not investigate fraud activity on credit card or bank accounts. It's the responsibility of the credit card company or bank to do their own investigation ; the only thing he could give me would be a call number. I sent XXXX a response on XX/XX/XXXX @ XXXX. As of today the fraudulent activity on my card has not been resolved or investigated by Avant with the XXXXXXXX XXXX XXXX. I can prove that I was at work during the time of the charges on the initial credit card, I made Avant aware of this information as well.
|
| 09/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Someone alerted me that if you go to XXXX and search for Avant Logon and hit on the response. The Avant login screen comes up with my email address in it. She had 2 reasons to reach out to me by email. First, she wanted to verify that it is a real email address. Secondly, she wanted to make me aware of what is happening.
https : //www.avant.com login Prior to calling Avant, I had a friend try it and watched as my email address come up pre-populating on the login screen. I called Avant. The rep told me to clear my history. I asked how that would affect what is coming up for other people. I demanded a manager. I finally got one and he spoke down to me. He said that I should get someone, who knows about computers, to explain to me why that couldn't happen. I changed the email address on the account and closed it.
I am a XXXX XXXX XXXX. I started building rudimentary computers when I was a kid. I was being taught by computer engineers at XXXX XXXX. I have built every one of my computers. I am not a computer idiot.
Last month, I started getting emails from Avant that I had tried to many passwords on my login, so they had locked the account and I should follow the instructions in the email to get my account unlocked. I called and explained to the manager that I had not trued to get into my account since my payday in the prior month, when I signed in to pay the bill. I had them change my account number and send me a new bill. I finally have the card, but I have now closed the account.
So this problem didn't start this week, it started almost 2 months ago.
I just got an email from someone else wanting to know if the email address was real and why is it coming up when she goes to login to Avant on her computer. She is going to call Avant.
I called Avant again. The rep told me that I have already been told to clear my history and that what I say is happening, can't be happening. She says she tried it and didn't get it to happen. Maybe because they are somewhere in XXXX and something is happening between here and there. I just do not believe that they have tried it.
I don't know where to go from here. The first person who alerted me to the problem suggested I file a report here. I wonder if I need to get a lawyer.
I am attaching a screen print of what comes up.
On the next screen, you ask for a card number. I am looking through my mail for the new card so that I can give you the current card number. In searching, I just opened a letter saying that they have been trying to reach me regarding the fraud I reported. I reported that someone or more people are trying to get into my account, since I was not trying many logins causing them to lock the account. I never mentioned the word fraud.
|
| 01/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Every month I check the Avant app to see my statement. The statement shows my current balance, finance charges, the minimum amount due, and the due date. It then offers the option to make a payment using the checking account I have on file with the app.
On XX/XX/XXXX I checked the app and it showed my balance, finance charge, and minimum amount due for the current billing cycle. The due date shown was XX/XX/XXXX. I used the app on XX/XX/XXXX to pay {$50.00} ( the minimum amount due was {$25.00} ). {$50.00} was withdrawn from my checking account by Avant on XX/XX/XXXX.
On XX/XX/XXXX I checked the app to see if my next statement was available. Instead, I was met with a notification that I had missed my due date of XX/XX/XXXX and had been charged a {$25.00} late fee. Since I had made a payment on XX/XX/XXXX that was charged to my bank on XX/XX/XXXX, that payment SHOULD have counted toward the due date of XX/XX/XXXX. However, upon calling Avant " customer service '', they maintain the payment only went toward my balance and did not satisfy my due date even though a statement had been generated. They claim the payment was made on the " last day of the billing cycle '' and therefore does not count as a payment toward the next due date. I asked that this be rectified and was instead disconnected.
I called back immediately and the next representative argued the same thing. I politely explained that I would not have made a payment if a statement hadn't been generated and they continued to argue that it didn't count toward my due date. The representative would not remove the late fee from my account and instead offered a " waiver ''. The next day I received an email informing me that the waiver was denied.
I have NEVER been late with my payments to Avant. I have 7 statements from Avant and my bank account shows 7 payments within days of receiving those statements. I would NOT have made a payment on XX/XX/XXXX if the app did not show that my next due date was XX/XX/XXXX. I understand how billing cycles work and I did not want the payment to go toward my balance without satisfying the minimum due for the next cycle.
Avant charged me a {$25.00} late fee for an on-time payment and now my credit rating may have been impacted. When I asked to have any record of a late payment removed, I was told " no ''. When I asked to have the fee waived, I was denied. Due to this incident, I have since closed my account and will settle my remaining balance over the next three weeks. I believe Avant is in the business of taking advantage of individuals with poor credit when we have very few places to turn. They have no interest in helping anyone but themselves.
|
| 11/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I took out a HELOC loan with another company for debt consolidation. They issued checks to the debtors I owed money to based on the amount shown on my credit report. The check they sent me to pay off my Avant loan was in the amount of {$3900.00}. I then contacted Avant and requested a payoff amount, which was {$3700.00}. According to the payoff agreement, my payment had to be received within XXXX business days of XX/XX/23. The check was mailed to the address on the payoff agreement on XX/XX/23. I checked my portal on XX/XX/23 and the payment was not reflected on my account, so I called customer support to inquire about it ( all other debtors I paid - XXXX in total had already received and processed my check payments ). The service XXXX confirmed that the check was received on XX/XX/23 and there was nothing further that I needed to do. My portal should update within a couple of days. On XX/XX/23, my account still had not updated and I was receiving notifications that my monthly payment would be due on XX/XX/23. I called Avant customer support again on XX/XX/23. They said they apologized for providing me with incorrect information, but they saw no payment in the system and so I would need to make my monthly payment. They also stated that they would escalate the issue of the missing check. I asked to speak with a supervisor since I was told that my check had already been received on XX/XX/23. After a long hold, I was told that there was no supervisor currently available, but that I would received a call from XXXX. I never received a call, only an email stating that they received my payment and had dated it as being made on XX/XX/23 ( even though I called and the email was sent XX/XX/23 ). I never received further communication, so on XX/XX/23 I called requesting the difference in the overpayment be refunded to me. The amount I calculated based on the payoff agreement and the fact that I was told my check was received XX/XX/23 was {$150.00}, however since they did not put through my payment until XX/XX/23, they said the amount being returned was {$110.00} and some change and said I would receive it in XXXX weeks. The poor communication and unorganized ordeal leads me to believe that they intentionally waited to process my payment since it was an overpayment so that they could charge more interest on the loan ( especially since I was paying off the loan very early ). I again asked to speak with a supervisor during the XX/XX/23 phone call and after a lengthy hold, I was hung up on. After calling back 3 times before they took my call again, they told me someone would contact me via email and to watch for my {$110.00} refund in XXXX weeks.
|
| 05/06/2021 |
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
|
|
Web |
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|
This complaint is regarding my credit card account with Avant Card ending XXXX has a credit limit of {$500.00} with a current available balance of {$380.00} with a APR of 25.99 %.
I have never missed a payment with Avant card ive always been excellent with them and overpaying. Currently they have my card locked and have had it locked since XX/XX/2021.
I submitted a dispute on a charge in XXXX for a charge at the time that stated authorized charge pending for {$290.00}, they submitted my claim to fraud they shut down my card sent me a new one. After that point a week later the charges name appeared " XXXX '' I called avant and they informed me that I could call XXXX the representative gave me the number and told me if they do it will take 10 business days. I call XXXX they informed me it was something with a XXXX XXXX XXXX in New York & that no dispute had been submitted but once my credit does submit it, they will send in everything to prove I did not rent a vehicle nor picked up a vehicle with a XXXX XXXX XXXX in NY.
I also informed them I am in Florida how would I be renting a car in New York and they could see all my purchases at XXXX XXXX, XXXX, my XXXX purchases.
I received a call from someone name XXXX from fraud saying my case was being transferred to the dispute center and, it would be assigned to a rep named XXXX and gave me his phone number.
On XX/XX/2021 Avant card closed the dispute and posted the funds into the card in the amount of {$290.00}. I went to use my card and it was declined so I call them and they inform me that my card is locked. No one can give me reason why or I have spoken to over 7 managers in XXXX alone.
I received a phone call on XX/XX/2021 at XXXX XXXX from a manager named XXXX after pleading with a rep to please have a manager call me because they stated their was no managers available to take my call.
She informed me in the next 2 business days my card would be guaranteed to be unlocked " perfect '' I replied.
We are now on XX/XX/2021 and my card is still locked I tried doing a purchase and again declined at this point I do not know what is going on and I am not getting correct answers from anyone in that company.
Please help me correct this issue with this company it has been well more than allotted time that is mandated.
I have attached 5 pictures from the beginning of when it happened then, when they posted the funds back on the account and, then the following of them having the card locked. I did include payments and still outgoing payment promised to them on autopay without me even be able to use my card.
You will also find the incoming call from the rep XXXX.
|
| 11/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
My name is XXXX XXXX XXXX, a XXXX veteran who is attempting to pay off the balance I had incurred with AVANT LLC, WebBank. On XXXX XX/XX/2021, after receiving a credit card debt consolidation loan from XXXX XXXX for the amount of XXXX which was my current pay off balance with AVANT LLC, I enclosed the check issued by XXXX XXXX for that amount and sent the check certified utilizing the USPS tracking number XXXX XXXX XXXX XXXX XXXX to the payment address for AVANT LLC XXXX XXXX XXXX XXXX XXXX, IL XXXX. The certified package was signed by a receiving personnel for AVANT LLC on XXXX XX/XX/2021. The check XXXX {$290.00} was cashed by AVANT LLC on XXXX XX/XX/2021 and did not apply the payment to my account. I had received the signed tracking notice from USPS on XXXX XX/XX/2021 and immediately contacted AVANT LLC at which time the company had no record of receiving the certified package and I was told it would take up to 14 days for the funds to be applied, at this point I had closed my account with this company because I knew a company would have some record of at least documenting the receiving of a certified package. Additionally, I had also stated that the company was requesting a payment by XXXX XX/XX/2021 and the customer service representative stated that my check would be applied retroactively to the date the check was received. AVANT LLC at this time and date of this statement, has not applied the payment to my account and it is currently reported as past due and they had also charged a late fee of {$25.00}. This company is purposely damaging my credit status on the three reporting agencies, as I had never been late with a payment to AVANT LLC. Just the previous month I had sent in a payment of {$100.00} to the company. This particular situation is causing me undue stress for I am striving in the best way to keep my credit from being negative as I have intentions of buying a home within the year. I have filed a complaint with the BBB which AVANT LLC is not a member and this company has over 315 complaints of this same magnitude in just a 12 month period. If this company does not want to do the right thing by their customers, then they should be able to add derogatory information to someone's credit report. I have also filed complaint with the XXXX XXXX XXXX XXXX XXXX Illinois and I have sent rebuttal to the credit agencies on this matter. Please assist me with this matter because I am not the only person that is being taken advantage from this these subprime lending predators. Thank you in advance for your assistance and I look forward to hearing more guidance or information as to what should be my next action.
|
| 09/10/2022 |
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
|
|
Web |
|
|
To : AVANT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Re : Explanation request and APPEAL dispute findings Dear Sir or Madam, I am writing this letter to have fraudulent charges removed off my credit card. The credit card advertises ZERO Fraud liability and should follow the Fair Credit Billing Act for customers as myself that are victims of fraud and theft. I received a letter that you have completed your investigation and found that the transactions is/are authorized and valid dated XX/XX/2022 the same day you placed charges of {$680.00}.
I informed your company Fraud management services- of all that occurred and the steps I had taken. I will report again what has occurred and the steps taken. Respectfully, at this point I am requesting a supervisor or management to handle my request.
My purse was stolen on XX/XX/2022, my AVANT credit card was in my purse and used fraudulently WITHOUT MY PERMISSION. The merchant at XXXX should have followed theft/fraud safeguards and requested identification from the person using my credit card and compared signatures for the two purchases : {$200.00} and {$480.00} which was not done! The charges were reversed on XX/XX/2022 and re-applied XX/XX/2022.
Steps taken : -Police called and incident reported ( provided to fraud management services ) -Spoke with Detectives and was informed they do not give police reports to civilians. The credit card company can call them, and they can inform them what is in the report to confirm @ AVANT request ( YES, AVANT credit card is listed in the report ). This was not done to assist in my fraud dispute. I was willing to do a three way so I can be on the line and so all parties are in the loop.
-Contact Assistant District Attorney to get the confirmation and take those charges off my credit card.
-A request with the XXXX unit at XXXX XXXX XXXXXXXX was requested, -there is no date or timeframe for receipt.
-- -- -Original Message -- -- - Subject : XXXX Online Verification Request Confirmation XXXX Thank you for your online verification request XXXX Complaint Number : XXXX DOF Form Number : Transaction Date : Thank you for your order. This e-mail will serve as confirmation that your online verification request was received. Please do not reply to this e-mail.
Please keep this for your records.
I had no charges on my card and now am expected to pay for fraud and theft charges that I did not make - AGAIN- I need for those charges to be taken off my credit card. I expect a thorough re-investigation to my fraud dispute, outreach and investigation into this matter and removal of the charges from my credit card.
|
| 04/14/2022 |
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
|
|
Web |
Servicemember |
|
On XXXX my card was used twice. {$24.00} & {$72.00}. Both at XXXX On XX/XX/XXXX my card was then used twice again. {$290.00} & {$310.00} both at XXXX XXXX.
On XX/XX/XXXX my card was used 7 times. {$13.00}, {$50.00}, {$42.00}, {$24.00}, {$31.00}, {$39.00}, {$120.00}.
On XX/XX/XXXX my card was used 2 more times. {$36.00} ; & {$9.00} To note here I have never charged more then 2 charges in one month. I have never went over 10 % of my balance. Here the repeated charges pushed my balance to XXXX dollars over the limit. This has been reported to the credit bureau.
On XX/XX/XXXX I called Avant a webbank affiliate to declare my card lost stolen. And to report the charges in Dispute by me. These charges were not made by me or anybody I know or even with any knowledge these charges or this was going on.. A third party vendor hired by avant made a case and I was told to wait 5 businesses days and someone would contact me. No one ever did. On XX/XX/XXXX I called in to avant to ask why no one has called. I was then told the issue was re-escalated and I had to wait 10 business days for contact. I received an email stating if applicable preliminary credits would be applied and I would only be contacted if need be. I waited those 10 business days. Once again I called after the date, and asked what was going on and why credits have not been applied. No one can ever answer anything. The call center has limited knowledge and can not transfer a call to fraud even if they wanted to. So I. Allied everyday sence then. No one could tell me who was handling my case, why no credit was applied. No answer to nothing. Then on XX/XX/XXXX late in the day I seen preliminary credits. On XX/XX/XXXX those credits were taking back. I called to ask why. I was told I was found responsible for the charges. How? Why? What happened to only reaching out if more info was needed by avant from me. Avant wouldnt even know if I had a police report. They never asked. The never asked if I called vendors and got any photo or camera footage. Avant has left me completely in the dark. Avant has also lied to a XXXX complaint answer. When I activated my card its clearly says zero percent liability. By federal law, I am only entitled to pay 50 dollars. Because the card was used In Person not online. Avant refuses to discuss this personally with me. Because they know they are doing a wrong. On top of this I am trying to rewrite my equity line on my home in which I have XXXX children. I now have to wait until I can clear this up to do that. To note in the three months before this fraud happened I used this card once.
|
| 03/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Servicemember |
|
XX/XX/23 - I started an application for a personal loan through AVANT. I did not submit the loan application because I needed to update my address. I thought my change of living location could impact the loan.
XX/XX/23 - I called and spoke to a representative at Avant to update my address and personal information. That was taken care of immediately.
XX/XX/23 - Promptly after speaking with a representative about my change of address, I filled out and completed the personal loan application.
XX/XX/23 - After filling out the personal loan application, I was told I was qualified and received an email stating that I had been qualified for the loan and to go to my dashboard to determine how I would like to receive my funds. I did as the email asked, signed the loan, asked for an ACH money deposit, and submitted it. As soon as I did that, I was closed out of the window for how funds were to be received and taken back to my account dashboard which had a notification stating I did not qualify for the loan. Under my account history, it stated that my loan application was declined on XX/XX/23, even though I had never submitted anything on XX/XX/23.
XX/XX/23 - I received multiple credit alerts that a hard credit check had been conducted and that my XXXX XXXX went down because of this ( because I was qualified for the loan ) XX/XX/23 - I called Avant back to figure out what was going on. All I was told was that this issue has been " escalated '' and they would review my case. Whatever that means.
XX/XX/23 - I emailed customer service regarding the issues presented above and received an email that things had been sent to the " appropriate department '' and if I had any further questions to email or call XX/XX/23 - I called customer service again to determine what was going on since all of the information I have been provided in the last three days has been generic and lacking any sufficient detail. I had to call twice because my call was dropped initially. Once I finally got a hold of someone, it was the same information I have been given the last XXXX days which was, " you're problem has been escalated to the appropriate department and they are still reviewing your case '' This is totally unacceptable. Not only was I told I received a line of credit and did not, but it has impacted my credit score because the inquiry went through. I haven't received sufficient customer service or information. I'm just passed along to another person who can't tell me anything of importance. This issue should not take three business days to figure out. I am beyond furious.
|
| 12/09/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
On XXXX I applied for a loan through Avant to consolidate some debt. During the application process I was required to provide my bank account information, presumably to pay the installments of the loan. I was denied the loan and, on the same day, I submitted a request to XXXX to delete my account.
On XXXX I was responded to saying that Avant could not delete my personal information because the information is subject to the XXXX XXXX XXXX. I responded the same day asking if my bank account information is included in that, as it is the information I would actually like deleted from the platform.
On XXXX I received a generic response to my previous question that they are sorry for my negative experience and that any additional questions should be directed to XXXX for more help.
On XXXX I contacted XXXX and stated that, while I understand some of my information must be retained for compliance reasons, why could my bank account not be deleted?
On XXXX the resolutions department responded to me stating that " all information we gather is used only in accordance with our privacy policy '' and linked me to the policy and told me to read it carefully to understand what they do and what information is shared.
On XXXX I responded, after reading through the policy, stating that I don't see anything about collecting and using my bank account information. I also asked, since I do not have a credit product from Avant, what is the basis for refusing to delete my bank account from their system? I linked a quote from their privacy policy asking for them to elaborate on it, if it potentially includes the bank account information.
I have not received a response since. I have asked for follow-up on XXXX and again on XXXX. I contacted XXXX on XXXX specifically asking them to delete my bank account information, figuring perhaps asking them to delete my account was too much. I received the EXACT same response I received on XXXX. I replied that I have reviewed the legislation ( to the best of my ability ) and the linked Avant policy but could not find why they would keep my bank account information.
I have not received a response. At this moment I do not have much hope this company will respond to me and answer my questions. The question of why and where is the bank account included in the information they must retain for their legal and compliance purposes has gone unanswered. If they can not delete it, fine, but no one will give me a sufficient answer, just generic copy-paste responses or links to policies that do not answer my question.
|
| 02/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had opened a new credit Card with Avant and did not receive any statements until XX/XX/2021. After receiving that statement I saw the I had missed my initial payment that should have been in XXXX however I never received an invoice by email, usps mail, or a phone call abut the payment. I was shocked and in tears. It also reported my account at a high balance because of the late charges they tacked onto my account. I immediatly made a payment and followed up with a phone call.
The first two times I called the individuals both were able to hear me when I stated who I was but as soon as I let them know why I was calling they no longer could " hear me. So I tried a third time. This time I waited until I knew the person could for sure hear me before I explained my issue with what they reported on my credit.
The lady was rude and unwilling to remedy the situation. She said it was not their issue that I didn't receive an initial statement. I asked what we could do to remove this from my account and explained how I made the payment as soon as I received the statement. She said they were not able to do that. I let her know that companies are able to remove items from credit if reported falsely or unfairly which in this case was true. She said it was their, the companies, policy not to do that. I asked for a copy of the companies policy where it states that and she could and would not show me documentation. As well as showing no documentation that a statement or phone call was ever made to me prior to them charging my account and reporting to the credit agencies. I also explained that I have been under much more stress lately taking care of my in-laws who are unable to leave the house due to mobility issues. I pick up groceries, prescriptions, mail, ect ... So I understand that I should have been suspicious that I didn't receive a statement in XXXX. However, with everything going on with them and myself. Not to mention the pandemic it was not on my list to keep track of the account receivable for this company. I did my VERY best to communicate with them and was shut with a door in the face ...
I have worked extremely hard to take my credit back and because of their mistakes my score dropped 70 points! I am even now in tears writing this. All of the other accounts I have are paid 100 % on time and never over the high limit.
I need help to get this company to be fair and true to my credit. I feel like they are taking advantage of individuals by not providing statements and then charging fees and negatively reporting.
|
| 10/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I recently acquired a new credit card from Avant issued through XXXX. I made the first payment ( XX/XX/XXXX ) via the Avant app without issue. On the second month, I tried to make a payment online via the Avant website of {$200.00}. Upon receiving the email confirmation of the scheduled payment for the same day, the payment amount was incorrect. It showed a pending payment for the full amount of {$850.00}. I immediately called customer service to advise of the incorrect payment showing in the system. The representative advised due to payment being the same day, they were unable to cancel the payment and and that I had to call my bank to stop the incorrect payment.
I called XXXX XXXX XXXX XXXX and was advised they would try to stop the pending payment ; however, it was not a guarantee that they could stop it as it wasn't showing in their system yet and not sure of how Avant would submit to the bank. The {$850.00} payment in XXXX was not stopped and cleared the bank and posted to my Avant account. I was not happy but it was paid. In XXXX, I tried to again make a payment by the due date of the full amount due - {$1900.00} on XXXX. I was advised by XXXX XXXX on XXXX that this payment was now stopped due to the previous request of stop payment. I was not aware of a XXXX day timeframe even if they were not able to stop the payment. XXXX XXXX removed the request and advised they were not able to rerun the payment, that I needed to call Avant and ask to have the payment rerun. I called on XXXX and spoke with several representatives to try to get the payment rerun, they forwarded me to their payment center and I was advised that they could not rerun the payment as the {$1900.00} was showing posted in their system and would not allow for another payment as the total balance was cleared. I repeatedly advised that I did not want to have the payment show as a late fee due to the system issues but the representative advised that the payment showed paid before the due date of XXXX and should not be any issues. I received notification from Avant on XXXX that the payment returned and I needed to make another payment. I paid another payment on XXXX and Avant updated the payment again, charged a {$28.00} late fee and refused to waive the late fee even though I tried to make the payment in good faith before the due date. I submitted a late fee waiver and was declined. This company will not have any supervisors call back or answer a call and will only advise to email their card resolution department.
|
| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
Throughout the months of XXXX and XX/XX/2022 I completed and submitted several applications for income-based senior housing with various facilities belonging to XXXX XXXX XXXX XXXX Most, if not all, of these applications included forms for Federal aid and required my Social Security Number to be written in multiple locations. In the last week of XX/XX/2022, I began receiving letters from various credit card issuers indicating that I had applied for credit accounts, of which I had not. I also received merchandise from an online retailer and a bill indicating that an account had been successfully opened using my information. Since then, I have discovered two additional accounts on my credit report that were opened fraudulently, one with XXXX XXXX XXXX and onXXXX with Avant. I submitted disputes with the XXXX credit reporting agencies and placed a freeze on my credit. I have contacted each of the credit card companies as the letters have come in to notify them of the fraudulent activity and have submitted a report with the Federal Trade Commission.
Thus far, every organization has been cooperative, has invalidated any open accounts and ceased billing and reporting to the XXXX credit reporting bureaus with the exception of Avant Bank who continues to report that the account is mine. I have provided them with a copy of the Identity Theft report from the Federal Trade Commission and have submitted disputes with both XXXX and XXXX and on both counts, Avant persisted that the account was mine. I've reached out to Avant directly and they insisted that I provide a notarized affidavit and other documentation above and beyond what I have already provided and I refuse to submit to their predatory practices. I have already been sufficiently inconvenienced beyond reason by this experience and the account with Avant only exists because their organization failed to properly verify my credit information to begin with. Avant approved a credit application for an account that was applied for using a XXXXXXXX XXXX address that does not, and never has, belonged to me. I have lived in XXXX my entire life and that address could not have existed on my credit account at the time Avant recklessly approved the application. I will not be further inconvenienced because of this organization 's incompetence and inability to do due diligence in the same manner as XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX, all of which denied fraudulent credit applications that were applied for using my stolen SSN.
|
| 04/26/2023 |
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
|
|
Web |
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I have to say first my ID was not stolen but there was no other selection on this site that fit what has occurred. I applied for an Avant credit card on XX/XX/2023. I was approved and an offer was made. I did not accept the offer, nor did I activate the card. I received an email today, XX/XX/2023, that I owed {$39.00} which is what the annual fee is. The reason I did not accept the card or activate the card is because of the annual fee. I spoke with a rep who stated they could close my account. I reiterated that I never opened an account. The rep then stated that it is Avant 's policy that when a customer is approved they open the account. I explained again that I never authorized the opening of the account and I never activated the card so no account should have been opened and I also stated that this seemed to be a fraudulent practice. I work in the mortgage industry and we approve clients all the time but that does not mean that an account is just opened and we give them the money. I asked to speak with a manager. I was told the manager was already on an " involved '' call. I explained that I would wait. The rep stated that they had other calls to take and again I advised that I wanted to wait on hold and this call with me was not resolved so the other callers, unfortunately, would have to stay on hold. The rep proceeded to put me on hold and never came back. I made two additional calls and was also placed on hold and was told I was being transferred. I am currently on the phone with them again right now and being transferred to a manager for the second time as the first time the call was disconnected. They are advising me that I owe a pro-rated annual fee for the amount not used. I never authorized an account to be opened in my name and I never activated the credit card. This seems to be a very fraudulent practice. I have now spent well over an hour of my time trying to resolve this and am still on hold. I never signed any documentation authorizing any of the actions that Avant has made and I never activated the credit card. I applied, was approved, and did not like the terms- so I didn't activate the card thinking that would be the end of it as it is with every other credit card I have ever applied for. After 1 hour and 27 minutes I finally was able to speak with a manager and within 45 seconds was advised that the {$39.00} would not be charged because I never activated or used the credit card but it would report that I opened and closed the credit card.
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| 02/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I had a payment due XXXX XXXX minimum amount due if XXXX I set up a payment for XXXX I noticed it never came out of my bank o go On my dashboard and see it was cancelled?? I didnt cancel it I call and they have no clue what happened I now make another payment over the phone with them - this time for the full balance due of XXXX and that one gets cancelled too?? Still no clue on their end?? now I also have a late fee charged which they say I Have to put in a request to waive it? I said to them I am just trying to pay my account info and then I want to close it on my end I do not understand why this can not happen? Why do you keep canceling my payments? I am trying to repair my credit and this will put a mark on my credit report that I do not deserve There is no physical location of them for me to go make my payment I finally got through the supervisor well I have to leave a message she calls me back she tells me to contact my bank My bank verifies there are absolutely no define transactions and there are no attempts for either the transactions to be made no the supervisor at Avante credit card Told me the funds were not released that is not true I verify that my bank that was a lie she didnt maybe theres a block on my debit card there is no block I have used his debit card hundreds of times with no problem paying credit cards She tells me to call back after I talk to my bank I called back they pick up they asked for my name I gave them my name they hang up on me? I am at a loss I do not know what to do they now have my credit in their hands which is not fair because I am trying to pay them I just want to pay them I want the late fee waived I want no marks on my credit report and I want my account closed and I want it to be stated that I closed it at my request not them I am trying to repair my credit and Ive been doing a pretty good job and its completely unfair for them to operate this way I dont know if you can help me with this but I really hope you can help me with this its only a {$300.00} limit credit card this is insane to me I look forward to hearing from you and appreciate any assistance you can give me They also then try to get my bank account information saying maybe that would go through Im not comfortable giving them my bank account information I do not trust them its a lot easier for me to switch a debit card if I have to then open up a whole new bank account ive never had a credit card company asked me to do that either
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| 12/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Hi, I opened a Credit Card with Avant on XX/XX/XXXX for {$300.00}. My very first payment was due on XX/XX/XXXX and was due on the XXXX going forward. I always logged on to their website Avant.com and made my monthly payments. I even saved the website in my favorites. I continued to make my on-time monthly payments from Avant.com ... I go to log on to their website like I normally do and their website is down and won't let me log on. It said, " Uh oh, were experiencing a problem. ", and that they were having an unplanned outage. So, I figured I'll just check back tomorrow. This went on for a week or so ... after that, I said I better just call in and make my payment. I talked to their representative and explained the situation. I gave them all my pertinent information - first and last name, email, last 4 of my social etc... they claimed that I have no account with them. I also gave them the customer ID # that I received when I couldn't log on to their website where I made my monthly payments. I spent 3-4 hours on the phone getting absolutely nowhere and them saying I do not have an account with them. I told them I've had an account since XX/XX/XXXX and have been making successful payments until the XX/XX/XXXX payment, so how is that possible? I said I need to make a payment over the phone and they refused to take a payment since according to them I have no account all of a sudden. I said I better not get any lates on my credit report. I even asked for their Manager/Supervisor and they refused to put me through to one... they even said one would call me back and I never got 1 call! I am XXXX XXXX XXXX and have never experienced something like this in my life! I must have 12 credit cards open at the moment and I'm never late, and now they have marked 90 day lates on my credit report over a minimum payment which is ridiculous! I've never experienced such incompetence on a credit lender such as Avant and an unwillingness to let me speak to someone who can help me. I even reached out to several lawyers asking for help and they told me to file a complaint here. Avant has destroyed my credit and has costed me thousands from being turned down for loans and creditors lowering my credit limit from Avant 's late reporting. I'm going to attach what their website said when I went to make my XX/XX/XXXX payment and also include all my payments from their website at Avant.com.
Thank you for your help! It's much appreciated!
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| 05/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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Here is a copy of the email I received XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX, Thank you for applying for a XXXX issued credit card through www.avant.com or another third party provider on XX/XX/2022. Your application has been closed and we can not issue you a card 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.
If you would like a statement of specific reasons why we were not able to issue a credit card to you, please contact the application review manager at the address or email shown below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request.
XXXX c/o Avant Attn : Customer Support - Card Application XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Information Obtained from Third Parties Additionally, our credit decision may have been based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information.
Sincerely, XXXX, XXXX XXXX XXXX, Utah NOTICES : FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is : FDIC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
XXXX*This also showed up on my credit reports. I never applied for this credit card. I emailed Avant and was directed to email you. Now what?
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| 02/07/2022 |
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
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Web |
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I discovered my Avant credit card issued by XXXX missing from my wallet after I logged into my online account and saw six unauthorized transactions. I immediately called Avant customer service on XX/XX/XXXX to report my credit card lost, and to have a claim filed for the unauthorized transactions. I told the customer service representative that the card was lost, but I didn't remember the last time I saw the card, or, at what location the card was lost. The claim was made and submitted to Fraud Management Services. I then received a letter dated XX/XX/XXXX, which informed me that I couldn't be reached by phone, and that I needed to call the Office of Fraud , Research, and Investigations at XXXX Ext. XXXX. The letter stated that information was needed to investigate the alleged fraudulent use of the credit card. I left a voicemail for the representative investigating my case at the extension above, and the voicemail greeting said my call would be returned within 24 hours. However, I didn't receive a call. Nevertheless, I did receive a second letter dated XX/XX/XXXX, which stated Avant had begun a review of the fraud claim, and I would be contacted if additional information was needed to resolve the disputed charges. A third letter dated XX/XX/XXXX was received, and had the same wording as the XX/XX/XXXX letter informing me that I couldn't be reached by phone, and that I needed to call the same phone number and extension as above. Also, the letter stated that I needed to respond by XX/XX/XXXX. I left two voicemails, and I did receive one voicemail from the case worker on XX/XX/XXXX. I returned the call on XX/XX/XXXX, and then made numerous calls through XXXX, leaving a voicemail each time, but never received a return call. The last letter I received from Avant was dated XX/XX/XXXX, which indicated I had notified Avant of suspected unauthorized transactions on the account in the amount of {$480.00}. The investigation was completed, and there was a determination that the transactions were authorized and valid based on the information received in the investigation. Therefore, the transactions would be re-debited to the account and appear on the next statement. Since receiving that letter, I've left four voicemails at the same number and extension, but haven't received a reply. I've enclosed all the correspondence letters received from Avant, and the statement showing the disputed transactions.
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| 09/16/2021 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Credit card Avant Step 1 : What is this complaint about? Unexpected Annual fee Step 2 : What type of problem are you having? Unexpected Annual fee caused negative balance XXXX to my account Step 3 : What happened? Caused my credit score to drop-22 points credit score damage Step 4 : What company is this complaint about? Avant- Credit Card Step 5 : Who are you submitting this complaint for? XXXX XXXX self It was brought to my attention on XX/XX/2021 that Avant credit card company. Charged my account a unexpected annual fee was posted to my account on XX/XX/XXXX th. Avant- took {$50.00} out my account and left a negative credit balance of - {$15.00} was posted to my account and reported to all credit bureau XXXX My credit score dropped -22 points to my credit score. Avant- did not give me a notice of the annual fee due date of fee. I just check my balance on XX/XX/XXXX th and it was {$50.00} dollars positive for my credit report. If I had notice of the annual fee I could have made another deposit and my account would have had a positive balance and they still could have gotten their annual fee. My account have reported positive and it would have been a win win for both of us. The Avant credit card is supposed to help build my credit score but cause damage to my credit score. I am paying off my credit card I have not used it in awhile. I was building a positive balance on my credit card and Avant- did not consider the damage they have caused my credit score. It didnt have to happened!!! I called and filed a complaint but I am not filling comfortable with Avant because of the damage they already caused. The representative told me that there was nothing she could do but for me to call the Credit bureau. I told her no I will not because the credit bureau did not cause the problem and I wanted to talk to a supervisor. I talked to the Supervisor XXXX and she said she understand and I should have received a notice for the Annual fee and I did not receive a notice. Its also stated in their policy about receiving notice. She will file a report to find a resolution. I have a recording of admission of wrong doings. I dont feel confident with Avant credit card service/ product. I got the card to rebuild my credit, it was advertised as such but I received the opposite.upon request for more information bank statements and recording.
|
| 06/12/2023 |
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
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Web |
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i have a account with avant in which for some reason they are saying XXXX and with XXXX different opening dates with different addresses. To where recently i have realizedthat i am a victim of identitytheft/fraud/impersonation as well as a victim to sim swapping/hijacking on all my accounts online and offline to where my mail has/is being effected too. i have made police reports etc in order to rectify this. i have repeatedly the past XXXX months called avant asking for my statements and all correspondencs to be sent to me by mail XXXX XXXX in so i can go over them in which they have refused and have stated that they can only send the last few which is bull. i have called and reported fraudulent/suspicious activity as well numerous times and sent in a dispute letter stating that i need to make sure my address and name are correct as well as issuing a new card and to investigateit. i also noticed that different payment amounts have been taken out on different dates that were not authorized nor agreed upon as well as i have never paying from a online account either Some of the auto matic payments that have always been set up since the first payment on theis card is not being shown on the correct dates made and charging more i yrest than agreed upon and a yearly account fee. to where im not sure what is going on but i know that i have made payments on time every month except last month through autopay through wells fargo. i have even sent in a dispute letter to make sure my name is correct and to report the discrepancies that ive seen again as well as to correct any information if it is wrong to and to cancel the cards and send new ones with correct information with also sending all statements and correspondences that way i can go through them completely and accurately to be able to dispute which transactions i did not make. they are still charging me late fees and intrest as well as not doing what i have asked for XXXX months. to where this isnt reasonable i will absolutely pay for what i have spent but i need all statements and correspondencesand to know how many accounts or cards or users there are on my account in order to see what is mine and what isnt because i should only have XXXX. then will make payments as to what i did spend. plus i have a credit freeze and they sent me another card.
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| 02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
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Web |
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My indigo XXXX had a fraudulent charge on it I looked up the website that was on my mobile app and it was the same one they got me today quick performance active or creative not sure you tell the website and they say its a scam we get calls all the time and theyre ruining our business they call me back to have me help them or their lieing either way my indigo card they were supposed to cancel and send me a new one three weeks max I never got the card a month and a half or so more later but kept getting even the bills and they were different and then they would be more and then I would call and then they really go thats not right let me talk to my supervisor and then they would hang up on me or they keep me on hold so long that I had no choice in the matter of XXXX weeks simple disputes hey can you please block this from ever happening again you see this charge from this place dont let it go through I dont know how its happening but my credit score was a XXXX and now its at XXXX and they want me to pay them because I canceled the account. And theyre trying to get me for the car and I had prior and the car to head after but never came thats for indigo platinum XXXX with the three hundred dollar limit from XXXX XXXX I have no problem paying them but I dont trust them especially since I just got a new bank with the credit union and I dont want to have that information compromised because Ive been getting financially ruined due to these cards and I were to know if yours to get my credit score up and then just have a drop because somebody doesnt want to do their job right or theyre overwhelmed or whatever but I have evidence to prove everything and I dont think me wanting to give them my new bank information because I dont trust them XXXX out of the ordinary request Ill pay them with a prepaid card thats not an option they said do you want to bank and routing number its not fair Im about to quit and give up! They should both consider the counts paid in full Theyrecord all phone calls And I had information and I wanted to see if they had up-to-date information and they didnt if I was to close my account The day would it cost me an extra 60 bucks ive been unemployed since XX/XX/2021 but I still manage to pay all my bills {$2500.00} a month by myself I work too hard to have people like this not care
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| 02/24/2022 |
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
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Web |
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On XX/XX/XXXX I noticed a pending transaction on my credit card account. I rarely use the card and hadn't made any recent purchases, so I called to dispute it right away. The transaction was dated XX/XX/XXXX in the amount of {$100.00} and the merchant was XXXX. I've never even heard of them. I was told that I would have to wait until the charge was posted before reporting it, so I called back on XX/XX/XXXX after it was posted. They listed off XXXX phone numbers they had in their system for me, and only one is accurate. I asked them to remove the other number. They NEVER should have allowed a new number to be entered without notifying me in some way- I've never had that number so I certainly didn't enter it.
They said the Fraud department would open a fraud claim within 5 business days and they would be in touch with me in that timeframe. I waited the time and then called back on XX/XX/XXXX when I hadn't heard back from them. I was transferred to so many people and nobody was willing to help me with a resolution. One of the representatives told me she escalated my complaint and I should hear back from the Fraud department within 5 business days ( again ). I also decided to send an email to their customer service on XX/XX/XXXX with my complaint, and all they could do is tell me to call the customer service number. I waited the 5 days again and then called back on XX/XX/XXXX. I was transferred to every department, and nobody could provide an update on my claim or assist me with next steps. Most representatives wanted to transfer me to Card Services, but every time I talk to them they inform me that they can only issue a new card ( I had XXXX sent during my first phone call with them ) and they don't actually deal with fraud claims. But the representatives wouldn't listen when I told them to stop transferring me to Card Services. They wouldn't let me talk to somebody in charge and nobody would provide an update on my claim. Overall, I have called them XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and emailed them XXXX times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and have received absolutely no assistance. I do not want to pay for an unauthorized transaction ( which is my right as a consumer ) but they will not help me with this.
|
| 10/14/2023 |
Yes |
- Credit 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
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Web |
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Here is the email I have sent to Avant resolutions department XX/XX/XXXX Fraud charge put onto my account XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX had auto withdrawl of {$25.00} XX/XX/XXXX had auto withdrawl of {$25.00} XX/XX/XXXX had auto withdrawl of {$25.00} + Annual fee {$29.00} So my XXXX Statement would have been the {$4.00} + XXXX + interest In XX/XX/XXXX I make the claim of the fraud charge XXXX statement the fraud change was removed, so my balance was a negative {$43.00} XXXX Statement still have a credit balance of {$43.00} XXXX Statement - AVANT PUTS THE FRAUD charge back onto my account of XXXX and claims that it is a separate charge because it is on a separate day. EXACT same vendor and EXACT same amount of {$79.00}. Also you see that when I made claim back in XXXX, Avant cancelled my original credit card number and issued me a new credit card.
AVANT NEEDS TO TELL ME WHY THEY BELIEVE THIS CHARGE IS A DIFFERNET TRANSACTION and NOT BECAUSE IT IS ON SEPARARTE DAY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! AVANT PUT THE CHARGE ONTO MY ACCOUNT XXXX through XXXX I'm being changed late fees and my credit score has gone done from XXXX to low XXXX because of these late fees.
Current statement, on XX/XX/XXXX Avant finally accepts my claim of the fraud charge and the XXXX along with the latest late fee has been removed, but I still owe late fees from XXXX - XXXX.
Email from XXXX dept on XX/XX/XXXX Hello, I did get this over to my direct superior with Avant, this claim has been accepted with information you just provided and you will see the credit within the next XXXX as it does not reflect right away. I do know you mentioned this impacting your credit, you will want to reach out to customer service or the credit bureaus. If you contact customer service they will be able to see the notes on the claim in regards to Avant accepting the charge and credit being permanently issued back to you.
Thank you, XXXX XXXX XXXX XXXX XXXX Issuer Dispute Operations XXXX Worlds Most Admired Companies XXXX | XXXX XXXX XXXX | Join Our Team | XXXX | XXXX XXXX XXXX XXXX XXXX XXXX or its affiliates. XXXX is a registered trademark of XXXX XXXX Privacy Notice From XXXX. XXXX XXXX XXXX XXXX XXXX. All rights reserved. Used under license.
|
| 09/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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|
Web |
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I applied and was approved for {$2000.00} with no annual fee. I needed to change my mailing address so I emailed them my request and they told me they could not process my request without certain documents indicating proof. This is unusual considering my other cards do not require this. I emailed them proof and someone named XXXX replied and said " the photo didn't show all four ( 4 ) corners of the document - resend I sent it again with the four corners showing. It was rejected AGAIN. This time, they said it would be better to go to their website and upload ( what???? ). Why didnt they tell me this THE FIRST TIME?!
So, I tried to do that but there was nothing on their website that allowed me to upload ( a very basic website that looks like it was created by a 3rd grader ). I emailed back to re-send my documents again and they rejected it AGAIN saying I had to call. WHY DIDNT THEY SAY THIS BEFORE??????? ALL OF THIS RUN AROUND JUST TO CHANGE MY MAILING ADDRESS. I then learned ( from my credit report ) that the {$0.00} annual fee was a lie they actually charge {$75.00}, which I would have NEVER signed up for if I knew this. I always look for cards with {$0.00} annual fee. They lied to me about this. They are fraudulent.
Due to their lack of professionalism and misleading me with false information, I called them up and told them to cancel the card. I only had them for about a month and I never used the card. They sent me an email confirming it was canceled. I opened up a dispute with XXXX to get this off my credit report, but XXXX contacted today ( XX/XX/23 ) informing me that AVANT was contacted and they ( AVANT ) said my account was, indeed, open. This is a lie. I specifically asked AVANT TO CLOSE THIS ACCOUNT due to my unhappiness with their service. I called them and asked them to send me another email confirming cancellation and they refused. I, then, asked them to please send me something in writing and they said they cant because since I signed up for paperless they can not send me any paper. This is absolutely ridiculous and deceptive. I DO NOT WANT THIS CARD and the fact they are making it hard to leave them is even more disconcerting and shows a dishonest company. I want this card cancelled!!! The account ends in XXXX.
|
| 02/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
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Web |
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False advertising Received a pre approval for a loan through XXXX, which is there partner and filled out a loan application and was denied for a loan. False and misleading advertising.
Then after receiving an adverse action letter I promptly responded with Dear Fiduciary ( the role I have appointed you ), I am writing this letter in response to the adverse action notice that I received from your company regarding my loan application. I would like to inform you that I strongly dispute the allegations made in your letter and the reasons for the denial of my loan application.
As the creditor in this case, I would like to bring to your attention the violations of specific USC and UCC laws that were committed in the process of denying my loan application. According to the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 et seq. ), I have the right to dispute any inaccurate information that is being used by your company as a basis for denying my loan application. I also believe that there was a violation of the Uniform Commercial Code ( UCC ) 3-503, which states that the bank must prove that the loan was granted in good faith.
Furthermore, I have evidence to prove that your company used fraudulent means to deny my loan application. This constitutes a violation of UCC 4-406, which states that no bank shall make an extension of credit with actual knowledge that it will violate the law or any state or federal regulation.
I request that you thoroughly investigate this matter and provide me with a full explanation of the reason for the denial of my loan application. I also request that you remove any inaccurate or false information from my credit report that was used as a basis for denying my loan application.
I look forward to hearing from you soon and I hope that this matter can be resolved amicably. PURSUANT HJR -192.
Sincerely, By : XXXX : XXXX XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED UCC 1-308 To no reply. Violating my rights further more.
Violation of ECOO, fcoa.
Using false and misleading representation. I'm holder in due course and beneficiary to the name I retain all rights and obligations to fulfill full faith and credit obligations.
|
| 11/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2022 XXXX XXXX XXXX attempted to pay by phone on my " Avant '' XXXX by placing a call prior to the deadline time due. The duration of this call spanned over XXXX minutes and by the time an agent was able to assist me along the way since there was no automated option provided, that " deadline '' then passed. The agent then refused to credit my payment for the correct date, instead citing she can only credit it for the following day which would be XX/XX/XXXX thus placing me into a late status in which she further stated She had no means to waive any ensuing late fee or properly note the account that i had indeed called prior to the deadline in order to ensure any such fee would be taken care of. This was extremely inappropriate as it was not my fault I could not get assisted timely on their end. I then exchanged additional calls and emails since this time in effort to request this late fee be waived which was refused again and again. I do not feel I should be obligated to meet my end of the terms of this card if the provider is not meeting theirs. I informed them I would be in touch with any and all avenues to dispute and grieve this issue and they showed XXXX regard for me as a consumer. I should be immediately relieved of any associated fees, accruing interest, and negative credit remarks that XXXX have transpired in lieu of their negligence. For the record my minimum due payment was just {$25.00} which again I would have been happy to pay as always, however I am not about to pay double that amount when being charged a fee I do not deserve. Nor will I willfully make any further payment to this despicable company, until this matter is resolved. I feel your organization as well as XXXX as their parent provider, and also the XXXX XXXX XXXX should all be made aware of how this company treats its consumers. Especially when this particular Credit card is designed to so called " assist '' consumers in building/rebuilding their credit portfolios, it is absurd to believe they despite knowing it was no fault of my own they could not process my payment on time, that they are so stubbornly and aggressively attempting to charge me late fees.
|
| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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AVANT LLC/WEB BANK Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy.
XXXX OF XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy.
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy.
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy.
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy.
XXXX XXXX XXXX
Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX for XXXX XXXX Bankruptcy.
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy.
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy.
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy.
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy.
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy.
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy.
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy.
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy.
XXXX XXXX XXXX.
Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy.
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy XXXX XXXX
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy.
XXXX XXXX bankruptcy petition Potentially negative all are still reporting negative items to my account Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX All of these are XXXX from my bankruptcy and still showing up
|
| 04/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
On Monday XX/XX/2021, I called Avant credit card customer service representatives to request a letter of debt validation showing a XXXX balance on my account to present to a mortgage lender so a rapid rescore of my credit can be done. I was advised that it will take 24 hours for the documentation of my payoff with Avant to come via email. After 24 hours I called back to Avant to request the same information that I never received. Upon talking to the representative on XXXX XXXX, approximately 24 hours after my first original call, I asked to speak to a supervisor concerning the urgency of the letter that I requested. Two hours went past and no supervisor contacted me as the rep stated they would. I called back to the company demanding I speak to a supervisor concerning the matter I presented. The rep tried to take my telephone number and told me a supervisor will call me shortly, but I refused to hung up without speaking with one. Thirty minutes into the call after being on hold, finally a supervisor was able to speak to me. I was told that by the end of the business day I will receive the information of my balance payoff I requested but I still did not get the email as promised. Today, XXXX XXXX I called back to Avant and demanded my information. Once again, I was told it would be sent to my email by one hour. Three hours later, I called back to Avant to complain of still not receiving this vital information that is needed to move the process along for my home mortgage loan. I even advised Avant that I was not wishing to close my account but I needed proof of my payoff balance and my current information so the lender can proceed to take the next steps to get a rapid rescore done. The information needed is very important and can hinder the process of my loan. As a consumer, it is my right to such information as far as my account with Avant and the company has been no help with obtaining this letter. On XX/XX/2021 I requested the same information and had no problems with getting this letter. I do not understand why Avant is withholding my information from me.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The former Avant account number is XXXX, and this account is reporting to my XXXX, XXXX, and XXXX credit files. Avant is in violation for the Fair Credit Reporting Act by reporting inconsistent and inaccurate information to my credit reports. They have also reported this account as closed two times, once in XX/XX/XXXX and then again in XX/XX/XXXX when they updated the negative account data.
This account with Avant was paid in a settlement on XX/XX/XXXX. There are several discrepancies with how Avant is currently reporting this account to the three credit bureaus. Avant is reporting the charge off status date as XX/XX/XXXX on XXXX and XXXX, but reporting the charge off status date as XX/XX/XXXX on XXXX. They are reporting the loan in three different ways ; Charged off on my XXXX report, Paid or Paying As Agreed on XXXX report, and Legally Paid in Full for Less Than Full Balance on my XXXX report. They are also reporting 8 negative months on XXXX, but only 7 negative months on XXXX and XXXX. See attached inconsistent account reporting information from credit reports.
Avant has continued to update this account negatively and inaccurately to the credit bureaus for 2 additional years after the account was paid in a settlement. Avant sent me an email admitting that they had been incorrectly reporting the account, but they still refused to remove the inaccurate account. They sent the attached email to me on XX/XX/XXXX saying that I had satisfied my settlement obligations. Why did they continue to report this negative account status until XX/XX/XXXX?
On XX/XX/XXXX, I received several alerts and the attached emails stating that Avant updated my account with late payments. Avant has continuously failed to accurately report this account to the various credit bureaus throughout the present. This account had not had any reporting updates since XXXX, but now they have updated the account with recent late payments which decreased my credit score by XXXX points. This account should not be reporting new late payments when the account was paid off in XX/XX/XXXX.
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
AVANT LLC/WEBBBANK, XXXX and XXXX is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This is about the XXXX XXXX XXXX XX/XX/2021 with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form.
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX.
The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information.
15 USC 6802 ( B ) clearing states that A financial institutionmay not disclosenonpublic personal informationto anonaffiliated third party.
15 USC 6802 ( B ) 1b theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.
In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ).
With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws.
I hereby request you remove the below-mentioned information from my Consumer Report : xxxxx XXXX If you accept my request, I will not escalate this matter to a Federal complaint.
Thank you for your attention to this matter Sincerely XXXX XXXX XXXX
|
| 10/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
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I have a credit card with Avant and my balance is past due, which I know already. What I have a problem with is Avant is continuing to harass me and call me multiple times a day every day despite me trying to get a hold of a manager to ask why they are allowing their employees to harass people for a late payment. I understand calling and trying to get a hold of me however what they are doing constitutes as harassment and I will be filing for that. I am a law student and know that according to The Fair Debt Collection Practices Act ( FDCPA ) continuously calling me does fall under harassment. If I were to go to any police department and show them my call logs I would be awarded with a restraining order. Do I need to take things this far? I attempted to speak with a manager however after being on hold for what seemed like forever, they told me that a supervisor would call me, which they only have 10 business days to do so. I let them know that if I received one more phone call that was not from a manager that I would file a complaint against them. Not even 24 hours after I told them this on a recorded line someone who is not a manager called me and it was about my past due balance. And surprise surprise someone who was not a manager called me about collecting a payment after I told them that they were harassing me and that if anyone other than a manager called, I would report them so that is exactly what I am doing. If I need to I will file suit against this company because what they are doing is not right. How are you going to call someone repeatedly going to call you about a debt to the point where I have to threaten suit. And I just got off the phone with them after they called me when they were not a manager and would not put me on the phone with a manager for the second day in a row. The women who keeps calling me is named XXXX XXXX, the gentleman I spoke with yesterday was XXXX XXXX and today it was a gentlemen by the name of XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act ( FDCPA )
|
| 08/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
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|
Web |
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|
I applied for a credit card with Avant around XXXX XXXX. The card was activated if XX/XX/23 without me having ever received the card. I alerted the credit card company and was issued a new card. I activated the second card on XX/XX/23 and to my surprise the credit card account was already maxed out. There were purchases made at XXXX on XX/XX/23 which would have been impossible for me to do considering I hadnt ever received the first card. Plus the charges say they were made in XXXXXXXX XXXX. I can account for my whereabouts on XX/XX/23 my timesheets at my job can show that I was in fact at work and I have no means of transportation to get to NJ, thus it wouldve been physically impossible for me to make those charges. I contacted Avant numerous times here are some of the following dates of when I reached out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. I also contacted each credit bureau to report the fraud and alert them that the card although it was in my name it was in-fact not my card considering I never received it and that there were fraud charges. The company refused to refund the charges on the account and had continued to tarnish my credit via reporting that I have not paid the minimum and in addition to that, that the card is over the limit. I have worked tirelessly over the years to repair my credit and can not understand how they can be allowed to get away with such fraud. In addition to all of this, they began verbally harassing me, calling me multiple times a day demanding I set up a payment and refusing to acknowledge that I have been robbed of my credit card and that there is fraud on my account. I have gotten into multiple verbal altercations with them, and will be filing a police report today ( XX/XX/23 ). This company is extremely unreasonable and I will sue them if I have to. These charges are fraudulent that are on the card, and it seems like they have something to do with it considering they did not find any evidence of fraud after I called and made several allegations.
|
| 08/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
My card has been blocked for fraud on nearly every transaction Ive tried to make. In the past 24 hours, I have tried to make a purchase at XXXX for {$27.00} 3 times. Both times, Ive called in to ask to have my card unblocked. Both times, I have been told my card is unblocked and ready to use. I spent all my time before work talking to various reps about this. ( This meant I had to wait until midnight to make the purchase I had intended to do earlier in the day but couldnt because I was busy interacting with their customer service team ).
Why am I blocked from this XXXX XXXX dollar transaction a third time? This is exhausting.
I am having to call into this company multiple times per week to unblock ( read : get permission to use ) my card.
To make it better ; the company doesnt have evening hours. Tried to use the card at midnight since I just got off work. Cant. Theres no way to overturn their decision, according to them, other than calling them during business hours.
I am not being protected from fraud here. It is not protecting me to not allow me to use my card. Its unethical. Given the fact that none of my other credit cards block me from every other transaction I try to make on my card, this is probably also illegal.
I really dont want the sun and the moon here. I wan na order XXXX or XXXX sometimes. I wan na go to the movies sometimes. I want to use my card outside of their business hours. They are being overly reckless and blocking every transaction I have for fraud. Its clear I have an extra strong Flag on my account that just goes absolutely wild. I really need to get that extreme flag taken off.
If I am not going to be able to use my credit card with this company unless I call them multiple times a day to prove that I really wanted to spend XXXX XXXX dollars on snacks as if I am not XXXX XXXX years old, I need to cancel my account. This is the most horrible credit card company Ive ever experienced and this overzealous fraud protection shouldnt be legal.
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2023 the company Avant, responded to my initial claim dropping all of the charges, late fees and penalties that was on my account considering I had never ever received the credit card and never had access to the account. However on XX/XX/2023 ( today ) I received an alert through my capital one account that there was a change on my credit report. On XX/XX/2023, 22 days after Avant cleared the charges from my account, the account was AGAIN reported as delinquent despite there being no balance on the account following the conclusion of the fraud investigation the CFPB conducted. I am beyond enraged, this is absolutely disgusting and despicable customer service. What is their excuse now? In their response letter they claimed they didnt cause any defamation to my credit and that there was no back and forth between myself and their agents. But the last time I spoke to a supervisor at Avant they promised me they would report to all the credit agencies that the account had been closed due to fraud and that every single charge on that account including the delinquencies were completely false. That is a verbally binding agreement which they have a recording off but refuse to provide me with. However they are continuing to tarnish my credit and my livelihood as a young person actively trying to restore their credit. I have been working to repair my credit for years and the amount of damage they have done over the last 6 months is absolutely absurd. I am begging and pleading to you as the CFPB to please help me with this, to put an end to this XXXX that I have been enduring. Theyre literally destroying any chance I will have of having good consumer credit for whichever purpose I choose to use it for. They are violating my rights as a consumer as well as harassing me with these frivolous claims. Please put an end to this, I have exhausted all of my resources battling this. I have had credit card companies revoke my credit cards which were in GREAT standing due to this.
|
| 12/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Hello, I am nothing less than shocked at what I have just encountered with Avant Credit Card XXXX. It is something out of a fraud discovery documentary.
I paid my balance off of {$2800.00} on XX/XX/22 and then closed the account. I logged into my account XXXX before I was going to delete the shortcut because I CLOSED THE ACCOUNT. I found that there was a balance of a {$6.00} in interest charges on my account posted on XX/XX/22. I was NEVER informed of any payment due by mail or email. Then they proceeded to charge me interest on the interest and a late fee of {$6.00} on XX/XX/22 which doubled my balance and I was still never notified of any balance owed in any way. This is loan sharking.
After my second phone call, the late fee was waved. Then I was forced to make a payment of {$7.00}, which included the interest on the late fee that was waved, in order to avoid further late charges and interest. This is essentially extortion.
When I contacted the company multiple times I reached a service out of the country that only quotes policy. They waved the late fee only after speaking to several people and wasting a lot of time. They also did not understand the math of me having paid interest on the late fee that they just waved. XXXX person actually said to me that I was not sent a paper notification because I was on e-statement. That was after I explained several times that I received no notification of any type and that at the account was closed as was even indicated by their app/website.
I confirmed on XX/XX/22 that this account was reported as delinquent to the credit bureaus This is a very serious matter. Something needs to be done to correct my credit report and penalize this company for its predatory practices. The entire time this was happening this account has been closed. If I had not checked, they would have continued to increase the balance with late fees and interest and continued to negatively impact my credit ; all without ever notifying me.
|
| 05/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I have had the Avant credit card since XXXX of XXXX. I have never been late on the card up until XX/XX/XXXX, I scheduled my credit card payment for the scheduled date and it posted business days later. After that late charge and I followed up by paying the card off in full on XX/XX/XXXX. I called and asked as a courtesy if the late fee can be refunded/waived. The representative that I spoke to, said she would put in the late fee waiver request. Two days, later I received a letter via email stating that the request was denied. I called multiple times since XX/XX/XXXX and each time spoken to representative XXXX despite my request to speak to the corporate headquarters in Illinois. Also, I dialed the corporate headquarters toll free number and was routed to an XXXX contact center. Some of the representatives there have been rude, short and unable to explain the terms in the credit card agreement that prohibits fee waiver as a onetime courtesy. Most importantly, I made a payment in full, and despite that balance remaining on the account after the statement cycled on XX/XX/XXXX was {$52.00} and that amount was due in full for the next payment date of XX/XX/XXXX. I called to inquire on how I owed this amount, which I am disputing. Again, the representative was uninformed, and short. The minimum payment generally is a percentage of the balance owed not obligating the consumer to pay the full amount. Finally, as of today 's date, XX/XX/XXXX the account is showing I have negative XXXX available despite the fact I paid the balance in full and made an overpayment. I believe Avant is misrepresenting the credit card agreement, stating false information over the phone and providing inaccurate updates of the credit card account 's current and available balance. I have not been able to access my account funds as a result and have spent countless time trying to reach corporate headquarters regarding this matter. IT IS BAD CUSTOMER SERVICE AND NEGLIGENT.
|
| 09/23/2022 |
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
|
|
Web |
Servicemember |
|
I have had fraud on my Avant credit card XXXX, issued by XXXX at the beginning of XXXX and most recently my car was broken into and card stolen, I have received letters from a XXXX name XXXX at extension XXXX who states that she was reaching out but not able to contact me. She sends letter saying she tried to call me, but this is not true. They have not called me, I even returned calls and always get voicemail, I leave messages and still not get return calls. I send emails and make several calls and attempts to her and she does not return telephone calls or emails. Now I am being help responsible. I can not get through to anyone and keep getting the run around. I need help. Ive had fraud and even made police reports but they dont do anything or take action. XXXX has lied saying she has tried to call me and she has not. I will be happy to provide my phone report showing calls in and out. You will see my repeated calls to her and no reply!! They gave credit and emailed me saying stating the credit totaling {$1500.00} that was posted to your account on XX/XX/2022, was considered final and would be closing your file '', then they took that credit back even after saying it was approved and final after initially saying it was final and my case was closed and I wasn't being held responsible, now because my car was broken into they are taking back the credit they originally gave me and said was final. They are also denying the new claim, corrected police was emailed to them on XX/XX/2022 to XXXX and I asked to confirm receipt of my email and they never replied or confirmed. I emailed again and included the avant claims email address, customer service email and support emails, asking for same, funny enough customer service and support confirmed receipt of the information but not the avant claims email. Not XXXX my emails were rejected or returned so I know my emails went through. I have all emails and correspondence for proof as well
|
| 08/05/2023 |
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
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Account Information Dear Sir/Madam, I am writing to dispute an account listed on my credit report that does not belong to me and contains inaccurate information. I request your assistance in rectifying this matter urgently.
Account Information : Creditor Name : Avant Account Number : XXXX Date of Opening : XX/XX/22 Incorrect Address : XXXX Al XXXX XXXX XXXX, AL XXXX Incorrect Phone Number : XXXX Explanation : 1. Not My Account : I have no knowledge of nor have I ever opened an account with Avant The account in question is not associated with me, and I believe it is a case of mistaken identity or potential identity theft.
2. Incorrect Address and Phone Number : The address and phone number associated with the account are not mine. This further indicates that the account does not belong to me.
3. Request for Deletion : I urgently request the Consumer Financial Protection Bureau to remove this inaccurate account from my credit report. It is essential to rectify this discrepancy as it may adversely affect my creditworthiness and financial well-being.
4. Supporting Documents : I have enclosed the following supporting documents with this dispute : - Copy of my identification proving the incorrect address and phone number.
- A statement affirming that I have never had any financial dealings with Avant.
Please conduct a thorough investigation into this matter and take appropriate action to delete the erroneous account from my credit report. I understand that the investigation may take time, but I kindly request that you keep me informed of any progress or updates.
Thank you for your prompt attention to this matter. Your assistance in resolving this dispute is greatly appreciated. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact information.
Sincerely, XXXX XXXX
|
| 02/15/2023 |
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
|
|
Web |
Older American, Servicemember |
|
in the month of XX/XX/XXXX I applied for an avant credit card and it was approved and while waiting for the card to arrive I received an email notification from avant customer service concerning a change of phone number request, I immediately contacted avant customer service and advised them that I made no such request and that I haven t received the credit card in the mail yet, they informed me that credit card ending in XXXX had been activated and purchases had been made I advised them that the card had never arrived and must have been intercepted in the mail and that they should cancel it and send me a new card they said they would cancel it and resend a new card to the same address and it should arrive in seven to 10 business days which would have been XX/XX/XXXX, however on XXXX the XXXX I received another email from avant stating that my new card ending in XXXX had been activated, I immediately contacted avant customer service and advised them that I had not activated nor received any credit cards and that the card had again been stolen from the mail and to cancel it, i provided them with my sisters address and asked that all correspondence by mail be sent there they mailed me a new credit card ending in XXXX to my sister address but they added all the stolen card charges to the card so I refuse to activate it, they also claimed to have conducted an investigation case XXXX for XXXX, case XXXX for XXXX, which they claimed to have uncovered evident of my activating and using the XXXX stolen cards but refuse to provide the results, they also refused to provide the stolen credit cards numbers for the police report filed for the stolen cards complaint XXXXXXXX XXXX percent XXXX, they are billing me {$1800.00} for credit cards that I never received nor activated and have damaged my credit with the XXXX credit bureaus because of my refusal to pay.i also filed a report online ne with the FTC concerning this matter.
|
| 07/06/2022 |
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
|
|
Web |
|
|
Avant Credit Card company called me on Sunday, XX/XX/XXXX for possible fraudulent transactions on my credit card. The representative went over the transactions dated XX/XX/XXXX and I reported those transactions as fraud. My card was subsequently cancelled to restrict further use and supposedly a fraud claim was started for the fraudulent transactions ( or so I was told ). I was also given Avant 's phone numbers to call back to inquire about the fraud claims that were filed.
On Tuesday, XX/XX/XXXX, I called Avant XXXX on XXXX. I spoke with a different agent and he went over all the transactions on my current statement, including approved and denied transactions on XX/XX/XXXX and XX/XX/XXXX. I told him that no transactions made on XX/XX/XXXX and XX/XX/XXXX were made by me. He then told me he had to transfer me to a different department to help with these fraudulent transactions. I then waited more than XXXX hour and gave up as the wait was ridiculous and it was already close to XXXX XXXX Time . My total time on the phone was XXXX hr and XXXX minutes and I was unable to speak with the correct representative.
Today, Wednesday, XX/XX/XXXX, I called Avant XXXX again this time at XXXX starting at XXXX XXXX Time. I am still trying to reach the fraud department and I have been on hold for XXXX hr and 47 minutes as I write this complaint.
Also, how do transactions continue to be attempted on my card if the card itself was cancelled on XX/XX/XXXX? And how does a credit card company leave a customer on hold for more than XXXX hr at a time without talking to a representative?
I am trying to meet the deadline for reporting fraudulent activity on my credit card so I am not held liable for these charges. It seems that Avant is preventing me from meeting those deadlines and is not forthcoming, nor is doing the things they said they would, such as cancelling my card on XX/XX/XXXX as the representative had stated that day.
|
| 09/20/2022 |
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
|
|
Web |
Servicemember |
|
I have had fraud on my credit card XXXX at the beginning of XXXX and most recently my car was broken into and card stolen, I have received letters from a XXXX name XXXX at extension XXXX who states that she was reaching out but not able to contact me. She sends letter saying she tried to call me, but this is not true. They have not called me, I even returned calls and always get voicemail, I leave messages and still not get return calls. I send emails and make several calls and attempts to her and she does not return telephone calls or emails. Now I am being help responsible. I can not get through to anyone and keep getting the run around. I need help. Ive had fraud and even made police reports but they dont do anything or take action. XXXX has lied saying she has tried to call me and she has not. I will be happy to provide my phone report showing calls in and out. You will see my repeated calls to her and no reply!! They gave credit and emailed me saying stating the credit totaling {$1500.00} that was posted to your account on XX/XX/, 2022, was considered final and would be closing your file '', then they took that credit back even after saying it was approved and final after initially saying it was final and my case was closed and I wasn't being held responsible, now because my car was broken into they are taking back the credit they originally gave me and said was final. They are also denying the new claim, corrected police was emailed to them on XX/XX/2022 to XXXX and I asked to confirm receipt of my email and they never replied or confirmed. I emailed again and included the avant claims email address, customer service email and support emails, asking for same, funny enough customer service and support confirmed receipt of the information but not the avant claims email. Not one my emails were rejected or returned so I know my emails went through. I have all emails and correspondence for proof as well
|
| 05/30/2023 |
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
|
|
Web |
|
|
I first made a fraud claim in XX/XX/XXXX. On XX/XX/XXXX, I was credited for the XXXX charges that were not mine. A charge for XXXX in the amount of {$790.00} and XXXX {$210.00}. I never received any correspondence in reference to the fraud claim. I never received a new card in the mail either. When I logged into my account in XXXX, there was a note on my account saying that my card is locked and to call the customer service number. Customer service said the lock was placed by another department. I called and spoke to someone who said they put lock on account and that it will stay there until investigation is finished.
On XX/XX/XXXX, the XXXX charges were placed back on my account. XXXX charge for XXXX {$790.00} and XXXX for {$210.00}.
On XX/XX/XXXX, a duplicate charge for XXXX at {$790.00} and XXXX for {$210.00} were charged to my account.
On XX/XX/XXXX, another XXXX duplicate charges were placed on my account for XXXX at {$790.00} and XXXX for {$210.00}.
My credit limit is XXXX, with these charges my account balance is now {$3200.00}, which is {$1900.00} over the limit and this information has been reported to the three credit bureaus.
My actual balance should be approximately {$120.00}.
I called XX/XX/XXXX, XXXX, and XXXX, XXXX to resolve this and I was sent to fraud department each time. I have been assured that I would get a call back regarding this matter and I never did. On XX/XX/XXXX, I called again and they said my fraud claim was closed and did not provide any other information. I had to beg the customer service representative to allow me to speak with a supervisor. She kept advising me that someone would call me back but no one ever does so I insisted on staying on the phone to wait for XXXX. The representative refused to let me speak to a supervisor repeating that " no supervisor was available '' XXXX times to me. I have received minimal help in resolving this billing/fraud error.
|
| 09/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
Ongoing violation of privacy and online disclosure of NPI information by AVANT CREDIT CARD I had a credit card with Avant. When I received my card, I went online on XXXX to set up a online login.
There are TWO attachments to this complaint. See the circle in blue of the attachment NO 1. Clicking on that link from XXXX takes you DIRECTLY to the login page where ANOTHER persons email automatically populates ( see 2nd attachment ). I had 8 other people try this from their computers at diffferent locations and all had the same result.
I called on XXXX to report this to Avant. I provided the email address to the representative who CONFIRMED WITH ME that this was a valid email address and that they do have an account with this person. ( another violation of privacy )., I contacted the person via email and advised her of this. She and I are still in contact via email. She has tried to get them to do something about this. She was told by a manager that " She should find someone who knows about computers so that they can explain to her why that cant happen ''. She too has had friends of hers able to access this information and link from different locations.
I went online today, XXXX. The direct link is still there.
We have both cancelled our accounts with Avant. They have been notified by two people now ( maybe more ) of this violation and concern. There clearly is a problem with their software or networking systems. This puts all customers confidential information and safety at risk.
Avant is NOW KNOWINGLY putting this persons identity and security at risk.
They arent acknowledging it and are refusing to do anything about it.
I have since placed credit alerts on my credit report and taken all other steps known to me to protect myself and my identity in the event my information is unknowingly released due to the faulty security practices of AVANT.
XXXX XXXX XXXX XXXX
|
| 08/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
This is the second time this has happened. I called customer service the first time and asked this question. Why does it take 2-3 weeks for a payment to process. If I didn't mail a payment before I got a statement payments would never post on time. I was told it takes 14 Days from the time they receive the payment to post. That's way to long when is payment is made via ACH thru a bank bill pay. I asked for a supervisor non where available they took my information and never received a call back. The second time I made a payment without a statement again of {$100.00} on XX/XX/2022 thru my XXXX Bank Bill Pay Function on my Checking account. The Avant Mobile Application showed the payment received XX/XX/XXXX. The Payment Cleared my checking account on XX/XX/XXXX. The application stills shows Pending on the XXXX. I called Avant Customer Service again and was told 14 days from receipt. I got a supervisor named XXXX this time and she said 3 business days from receipt of the payment is the processing time not 14. I said it should have credited to my account then on Monday the XXXX. and asked that she makes sure the payment is credited now since it is the XXXX. She said it is pending. I will not override the processing and hung up on me. I have had this account for three months and have had this issue 2 out of 3. My payments are do on the XXXX of the month. Thank goodness I am making the 3 weeks before they are do and 10 Days before I receive a statement and the amount is significantly more than the minimum payment amount. It seems to me they are in business to wreck someone's credit and not help repair or improve like they advertise.
They must survive on collecting late fee 's with a processing time of 14 days. I have 4 other credit cards and when I make a bill pay payment thru my XXXX bank account it is credited to my other cards within 2 days of the date sent.
.
|
| 06/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
There was fraudulent charges to my Avent account that I never received a card to so Ive never actually used. The fraudulent charges have all been verified by avant to be fraudulent and credited back to the account, but it took months. The fraud department also credited back only one month of late payment fee for the fraudulent charges.
Even at this point I have never once used a AVANT card.
I get emails text messages phone calls mail daily on my Bill they say I owe. Which is the late payment fees and the interest all from the fraud charges.
The avant account people say the fraud department has to deal with it the fraud department says they cant even look at the account- it Has to be dealt with through Avant people they just push it to the other department nobody will do nothing for months and months and months now.
I have contacted Avent so many times that they say they can not no longer escalate this issue. Even though theyve escalated the issue is supposed to have looked at it several times nobody from the escalated team has contacted me -never once have they contacted me back to ask questions about this they just claimed theres been no error. when I email the fraud lady that I was dealing with with my case she just emailed me back that she already told me that she can not assist me They are claiming I owe {$100.00} Which is the exact amount they charged for late fees and interest on the items found to be fraud I am not responsible to pay late fee and interest on items that were found to be fraudulent they will not listen As Ive stated several times I have never once use this car there are no other transactions other than the ones that were all found to be fraudulent and credited back to the account the only thing theyre claiming I owe is {$65.00} in fees charged for late payment and {$43.00} in interest on purchases but theres never been a purchase
|
| 06/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
I applied for the AVANT XXXX through XXXX XXXX around XX/XX/XXXX and was approved. They sent me an email congratulating me, informing me of my credit limit and telling me my card would arrive by mail within XXXX days. I waited weeks, and never received my card. I called several times and was told to wait until XXXX to have a new card issued to me. A new card was issued on XX/XX/XXXX and I called and was told it was mailed on XX/XX/XXXX ( which is a Sunday ) so I assume it was actually mailed on Monday XX/XX/XXXX. It has been XXXX business days already and again, no card. I have informed delivery with USPS and I see my mail a few days before it actually arrives. Its not showing up. They charged me the {$59.00} annual fee before I even used the card. I was able to activate it through their app, with no physical card by using my social security number. I chose to do this because I thought they had a digital version of the card available on their app but they dont so I cant even use it. I noticed after I called them a few days ago they charged me the annual fee even though Ive never use the card because I dont have it. I asked if I could have the card sent to me priority mail or Xpress if I paid for it and they said that they dont do that. Ive read several complaints on here about people never receiving their cards for months and I dont want that to happen to me so thats why I am submitting this complaint in the hopes that I will be able to get through to them and have them send me the card. I want to make it known that I really do want this card, I do not want them to cancel it or close my account because I am submitting this complaint. I am merely doing this in order to bring it to their attention because calling Customer Service is not seem to get me anywhere. Can avant or XXXX please contact me about my card and help me actually receive it?
|
| 04/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
In XX/XX/2023, I received my statement from Avant credit card, the balance of which was {$270.00}. I decided at that time to pay the entire balance and close the account, which you can see by the copy of the check from my bank that I did so. The next month I received another statement ( XXXX ) showing the payment but also showing a fraudulent charge from somewhere in CA totalling with interest for {$100.00}. This was a good couple of weeks after I had closed the account and paid it off. I immediately called the company and explained that I had not made the charge and that the account had been closed. All they would do was ask me how much of a payment I wished to make. In XXXX the same thing happened again except now they added on a late fee. I called again and asked to speak to a supervisor and and again got the same result. I checked with my bank but since there was no product involved they said there was nothing they could do. There is a bit of a language barrier in speaking with the supervisors at Avant so I can't tell if they're understanding me fully or not. The last one I spoke to ( XXXX XXXX ) went through my file and all the copies I had sent and sounded like he knew what was going on and said it would be taken care of by the end of that week. I felt relieved and took him at his word. BUT ... not only did I just get a statement for XXXX in the mail, they have added fees onto it to total {$190.00}. Additionally they have begun harrassing me with text messages about making payment. I am quite furious but will try to call and speak with another supervisor today. I finally got your number through XXXX and was advised to file a complaint here as well. I realize this isn't a large sum of money but for a retired XXXX XXXX XXXX on a fixed income, I shouldnt have to pay for a charge I never made.
Thank You, XXXX XXXX XXXX XXXX XXXX
|
| 10/10/2023 |
Yes |
- Credit 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
|
|
Web |
Servicemember |
|
I contacted the company AVANT back in XXXX of 2023 in regard to some charges that I found on the account. I was not aware of the charges because I did not see the statement. When I attempted to make a purchase and it was declined I called and heard the balance and realized that the amount was incorrect. I immediately reached out to the company to file a dispute ( claim # XXXX ). I then kept in contact with the company to get updates. I spoke with an agent that took information from me as there were charges that I did make because the card was stored online. The agent took those charges and confirmed the charges that I did not make and submitted the request. In between this time I received XXXX phone calls in regard to the purchases being disputed and was advised that they were submitted in error. I was advised that I did not need to remake payments as they would get their funds back. I then called back because I needed a letter to provide to my trash company because they closed my account due to the dispute and was advised that they could send XXXX and the dispute continued. I then received an alert that my statement was available and so I checked the amount due when I noticed that the amount had changed I reached out to find out that the dispute was denied because the charges looked like " regular charges ''! I am not exactly sure what that means but I have never used the card or any card that I have to make the kinds of purchases that were made. I keep getting the runaround and being told that it would be escalated when in fact it was stated that this was the final decision due to the chip being used, that would happen if someone has the card. I did not make the charges that they were attempting to force me to be responsible for. This is going to ruin my credit and they are refusing to investigate properly and assist me.
|
| 11/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/23 I mailed in remittance coupon payment with instructions and laws permitting. XX/XX/23 I emailed to complaint and billing error dept and resolution dept cc. To CFO, proof of payment 2days before due date. In between I spoke with over 9 employees who saw and said the coupons were endorsed correctly. Payment was not accepted. After I sent a {$25.00} debit to stay in honor. Billing Error email on XXXX email to resolution dept, notice of Securities fraud and willful non XXXX notice of violation, with questions of am I committing fraud or crime paying by remittance coupon, no response XX/XX/23 email to Avant credicards @ Avant, no response. Also mailed out full payment directly to CFO, and emailed proof of payment to Billing error department. XX/XX/23 follow up and was told to send to resolution dept. XX/XX/23 sent copy of payment and letter to CFO to resolution department. Transfered over to payment department I was advised that Avant does not accept remittance coupon nor negotiable instruments, I'm which ALL FORMS OF PAYMENT to discharge or sett off debt is and are negotiable instruments including cash, debit checks and money orders. Also while in billing error dispute attempts to collect debt or the reporting of the account should not happen until the dispute is finalized which Avant said they do not honor. Negotiable Instruments. UCC 3-603 : UCC 3-104 Tender of payment : Bill of exchange Act section 16, form and interpretation of Bill : Federal Reserve Act section 16 notes issued , 18 USC 8 obligation or other security of the United States defined. Are just some of the Acts and codes Avant has refused to adhere to which is a detriment to my mental well-being and future consumer abilities to transact honorably. This refusal is a damage to my reputation and discrimination for operating pursuant to U.S.goverment.
|
| 06/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I reached out to the Avant , LLC . back in XX/XX/2022 when I discovered a credit card was on my credit. I informed the company that I never applied for this card and they informed me the card was opened in XXXX, PA which is not where I live. I live in California and have been for all my life. I informed the representative of this and she stated I would have to fill out the fraud affidavit and send it back. Someone from the Fraud department emailed me the forms and I filled them out with a police report number. I was informed a few weeks later that I had to have the document notarized. I notarized the document and sent it back to them in XX/XX/2022. Since sending this update to them, I have not heard anything back from their department as of yet. I have been calling and talking to representatives of Avant , LLC . but not to an actual person in their fraud department. They inform me that the only contact is through email only. I have emailed the department every week for the past four months and still to this day have not heard anything. My credit score has dropped from XXXX to XXXX in the past four months due to the negligence of the company not responding to my request to take this off my credit. They have put a 30, 60, and 90 day late for charges that I did not do. The charges are currently at {$750.00} which the credit card was opened with a balance of {$500.00}. The person who opened this account overcharged the card by {$610.00}. I have in the past two weeks informed the Avant , LLC of this issue and informed them that I wanted a letter to provide to my lender since we have been in the process since XX/XX/2022 to purchase a home and with my score dropping as low as it has needed a letter to take this derogatory mark off my credit. This should not be on my credit, please advise how this issue can be resolved.
|
| 11/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
There is disagreement over non-receipt of funds from loan applied for and approved in amount of {$6800.00} with Avant, they claim non-receipt of funds is fraudulent when I applied for loan myself, provided income information, social, etc.. The issue appears to be technical in nature, funds sent to incorrect account, Avant disagrees and insists it is fraudulent by providing a fraud packet which they claim they emailed and never received ... Error appears on end of Avant, funding incorrect account.. Regardless of fraud or not, the loan amount, {$6800.00}, plus interest will not be paid due to non-receipt and extortionate interest rate which if paid by term end, doubles loan amount to around XXXX I do not have terms available to me at this time, as I recall, the total paid would come to over double loan amount... I've checked into some reviews of Avant, mostly negative with mention of same high interest amount which they appear to charge everyone whom is approved regardless of credit score... Prior complaints were filed in regard to their extortionate rate, unresolved. Their rep, XXXX XXXX, defended their rate, regardless of credit score, nothing resolved.. Despite high rate and non-receipt of loan, payments were made and ceased due to unresolved issue with high rate and further, non-receipt of funds.. Avant replied to last CFPB complaint referring to prior contact made by myself, no mention of non-receipt of funds which is irrelevant, no further payments will be made... Avant provides number to call to make payment which as stated before in prior CFPB complaint, no further payment ( s ) will be made... Please advise Avant to accept payments already made prior as settlement, remove account from credit reporting... If not, account will fall off after seven years, all derogatory information removed...
|
| 06/09/2023 |
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
|
|
Web |
|
|
Update XXXX : To this day they have still not replied to any emails ( the one email they sent even told me to reply to it! ) and the charge has been re-applied to my card. This is teetering on a big lawsuit if they think they are going to falsely report me to credit agencies because they don't like to follow federal law.
On XXXX, while on vacation in NY, I noticed a charge on my Avant Credit Card for {$1400.00} from XXXX XXXX NY. I contacted Avant to report my card lost and notify them of the unauthorized charge. They credited my account and sent a replacement card. I thought everything was fine. On XXXX I notice the charge had been re-applied. I was confused, because I thought this matter was complete. I called them and the rep was confused as well. I called back the following day and spoke with someone else, who told me a 'XXXX XXXX had re-applied it because XXXX was in the area ' and/or 'I took a few days to report it lost '. I reported it lost the moment I realized it. 1 called 3 more times over the next week, each time being promised I would get a call back from XXXX, which never happened. I was even promised a call back from the rep who was going to see XXXX the following day. No call was ever received. on XX/XX/XXXX, I receive an email from XXXX stating the bank now wants a Police Report, which is fine, however I can not file that online for the reason ( lost card/unauthorized charges ) with the XXXX. I am XXXX miles away as well. I replied back asking how to proceed, but again, I am receiving no replies as of XX/XX/XXXX. It seems they don't want to handle the situation properly and are making me regret ever doing business with these third rate credit card companies. It was my understanding that I am not responsible for charges made without my consent, but yet here we are.
|
| 08/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
On XX/XX/XXXX I called Avant Customer Service spoke with XXXX XXXX she stated that she worked for a 3rd party company on behalf of Avant ) to report fraudulent charges and request that my account be closed. I stated " I do not want new card ''.
Emails sent to Avant customer service XX/XX/XXXX at XXXX, XXXX, XXXX and XXXX all requesting that fraud charges be looked into. I had also called several times throughout the day and hold times are ridiculous.
I logged into my account on XX/XX/XXXX, on my dashboard it stated that I had applied for a credit card on XXXX and XXXX. I called customer service and spoke to XXXX. He would not provide an ID # or anything else except his first name. I was very clear in the fact that I DID NOT apply for any credit cards with Avant. he stated that I must have clicked on something on the website! Are you kidding me??!! I did not and was clear that someone was doing this with my information. My account was not closed as requested on XX/XX/XXXX. i requested the account be closed due to fraud. XXXX would NOT close my account.
This account was paid in full months ago and I do not use this card. The dashboard also states that i should activate my new card. I have never received a new and do not want one.
Avant is egregious in its business practices, does not provide the consumer with mandatory information ( no letter or any type of communication was received that a fraud investigation was completed on my account ) and refuses to close accounts upon consumer request. As well, I have requested XXXX be removed from my account as my balance was XXXX months ago when I paid it off.
This company is disgusting at best! I want my account closed, the XXXX removed off the balance and they need to be investigated. Complaints have been filed with several bureaus
|
| 03/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Avant credit card About XXXX months ago I joined a debt management program. This specific account was not supposed to go into it. It's still somehow managed to get rolled into the program. I contacted both the debt management program and the creditor themselves and talked it out and they said it should be XXXX days and everything will be squared away again. It is now about XXXX months later I can not use that card. Every month I go to make the payment I have trouble making the payment or I can't log into the account so I have to call. And every time after I call them I'm able to log in and make my payment but by then I have already incured another late fee. I have called multiple times to both programs creditor and the debt management program. The creditor themselves keeps telling me it's the XXXX fault that they're not sending them what they need to send them. The debt management program keeps telling me they have sent off the paperwork and they even sent me a copy of that paperwork which I will attach. Today I called Avant XXXX times got hung up on, yes I'm getting irate, yes I'm mad they keep telling me the same thing over and over the last rep I told her I didn't want her to tell me the same thing that they keep telling me because I keep hearing it back and forth to just listen to what I got to say and I get hung up on again. I just want to either be able to get into my account when I need to get into it and actually use the card. Or just close it and set up auto payments. Also I want these predatory late fees removed. Me not being able to make these payments until after I call and talk to someone every month is not the terms that we agreed upon when I signed up for this card.
Also Avant told the debt management program they do not allow credit cards in these programs.
|
| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2022, someone fraudulently opened a credit card account in my name, using my social security number, at Avant LLC / webbank. I was alerted of a hard pull on my credit file by a credit monitoring service and contacted Avant that same day to report the fraud. On the telephone with an Avant representative, I was assured that the account would be frozen or closed ; however, on XX/XX/2022, I received an email notice from Avant that the fraudulent account had been approved and a credit card had been issued to the person ( s ) that fraudulently used my information to open the account. I have since frozen my credit report at all three of the major credit bureaus and I have engaged the services of XXXX XXXX to monitor my identity. However, I would like this account closed and the associated credit check removed from my records.
In addition to the notification that Avant opened the fraudulent account, they shifted the burden of proving that the account was fraudulent to me and required that I submit to them an affidavit attesting to the identity theft. I provided this affidavit and the associated XXXX complaint to Avant on XX/XX/2022. Avant has not responded to multiple inquiries that I have made in connection with this matter ; to my knowledge, the account remains open ; the fraudulent hard pull remains on my XXXX report.
I have already spent a fair amount of time and money on this matter ( including the subscription to XXXX XXXX ), and would like to know that the account has been closed and that I will not be liable for any charges that Avant approved on that account -- again, an account that I informed them had been fraudulently opened the SAME DAY that it was opened. More than a month later, I have heard nothing from Avant, and nothing appears to have been done.
|
| 08/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I didnt receive my Avant credit card until the end of XXXX. That is when the card was first activated. On XX/XX/XXXX I logged into my Avant account and there was no balance due, no statement and no pending transactions. The very next day on XX/XX/XXXX I log in my account it shows I am over my limit on my credit card, no pending transactions, and no statement available. I called the customer service line and I was informed my statement would be available in 2-3 business days. To much of my surprise I am trying to get someone to identify how my account was over the limit with no pending transactions showing or transaction history showing for the statement period ending on XX/XX/XXXX. This is the first time my card has reported to the credit bureaus and it dropped my score 20pts with a utilization of 111 % this has adversely affected my credit due to shady reporting tactics of Avant credit card company. I was finally able to identify why my card was pushed over the limit from an Annual fee of {$39.00} that was posted on the same day of the statement ending date. I dont have a problem with the annual fee however, shouldnt a consumer be notified ahead of time like other major credit card companies on this billing cycle we will be adding your annual fee?
This is not a good experience starting out with Avant I have paid the overlimit fee down. However, I dont like that I couldnt see my transactions to identify all charges for the statement period were correct per the Fair Credit billing act I should have access to these charges at all times.
I am uploading pictures of my account from XX/XX/XXXX with no transaction history or statement.
I was told I would have to wait 14 days before I am provided some sort of an update from a resolution team and this is not acceptable
|
| 09/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I enrolled in a debt consolidation program, who settled with the creditor for {$830.00}, on XX/XX/2023. This amount was more than double what I owed, prior to starting the program, original balance was {$370.00}. I requested this card be canceled and was told that because they received payment, one day after the billing cycle closed, that they could not close the account because I owed interest on the full amount, for that one day. The settlement amount was agreed upon on the XX/XX/XXXX and they would not accept any other form of payment, other than a mailed check, which they did not cash until the XXXX. The billing cycle ended on the XXXX and so they stated that because they did not receive the payment before the billing cycle ended, I would be charged interest on the full amount, for that day. This was after they accepted the settlement amount from the debt consolidation company. I've attempted to settle this by calling the creditor and speaking with their customer support representatives and was unable to get anywhere with them. They suggested I submit a written dispute, which I did on XX/XX/2023. I have never received any follow up on this, no email or phone correspondence. I've attempted to call them about this dispute and no one seems to know anything about it and they continue to charge me interest on an amount that was paid and agreed upon by both the consolidation company and the creditor. They have also continued to report this as a delinquent account on my credit. This is absolutely predatory and they should not be able to operate like this, their customer service is nothing but a collection agency. They're scripted to say what they need to get you to pay and you can never get anywhere with your dispute.
|
| 02/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX I made a payment of {$280.00} to avant my credit card company. My balance went back down to XXXX. On XX/XX/XXXX I made a payment of {$30.00}. Again my balance went down to XXXX. On XX/XX/XXXX my credit card company made an adjustment of {$280.00} to my balance. When I called them they told me that they dont accept my bank no more and that they return the payment. I contacted my bank and informed them what happened and they told me that no payment was returned to them. I contacted my credit card company and showed them Transactions from my statement showing that I did not receive any refund from them. While talking to My credit card company an Employee informed me that on XX/XX/XXXX my balance will go back down to XXXX. That the problem had been fixed. XX/XX/XXXX Ill check my balance it was at {$280.00} still when I called the credit card company back they told me that I still owe them that money that if I dont make a payment Ill be penalized. When I explain to them what happened I was told again that OK we will put your balance at XXXX on XXXX XXXX. But since then I receive messages and calls from the credit card company telling me I will be penalized if I dont make a payment on XX/XX/XXXX. When I called them today they told me that they would have to investigate it and it would take XXXX to XXXX weeks and that if I dont make a payment in this time I will be penalized. Their mistake has cost me XXXX points in my credit score as well as any chance of possibly getting a home loan at this point in time. I have no issues repaying The {$280.00} as long as they are willing to return it to me. All the documents attached to this complaint are just a show I didnt receive a refund from them
|
| 12/03/2022 |
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
|
|
Web |
Servicemember |
|
On or about XX/XX/XXXX I reported fraud on my account. This particular website had an update and I didn't have access to my billing statement. I just saw what was owed and freaked out because it was maxed out. Upon further conversations with XXXX through an email I realized what was fraud and what wasn't. The total charges that should be fraud are XXXX not {$960.00}. I received a letter on XXXX stating that the charges were made from me. I asked why and I got a response that I used the physical card in the middle of the fraud claim. There are many ways scammers can skim and copy a credit card including a chip. Some of the charges that were startling was from XXXX, NY which is XXXX miles away from me on a date that I was with my Mom and daughter in my home town. Another charge for XXXX and I have never stepped foot in that store as I am a plus sized woman. It goes on to XXXX, XXXX 's, It's XXXX, XXXX and XXXX, XXXX etc... I contacted these merchants and they have never seen me until I stopped in to investigate. I would like proof that these transactions were indeed mine because they were not. I have called them and left voicemails, I've called and left messages with Avant, I have even faxed them.
On XXXX I filed an escalation claim with Avant and was told I would receive a response within 14 days. I didn't hear a response. I then faxed them on XX/XX/XXXX and no response. I called and left another voicemail on XX/XX/XXXX and XXXX and was told that it takes 90 days for them investigate from an Avant XXXX Their response on XXXX is that I email them. The email on file that they have has been compromised. I no longer have access to it. Probably another further indication of identity theft/fraud.
|
| 05/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
****STOLEN IDENTITY**** I take Pride in keeping my accounts in good standing and keeping my credit in good standing and i will NOT allow anyone or any company to damage my credit score. At least a week ago when i found out that my identity was stolen i was advised to contact the Merchants i do business with to close any accounts and cards i have. I contacted Avant Credit Card Company and advised them that i was informed by XXXX XXXX Bank that my identity was stolen and someone had opened a bank account at XXXX XXXX Bank. Instead of Avant closing the card and closing the account and sending me a new card like the Bank and other Merchants did they left the card and the account open putting my identity in more danger because i have no idea who may have my identity or what information they may have. On XXXX i received an alert that someone tried to make a transaction using one of my cards. I alsp received an alert from XXXX that Avant had reported my account as 30 days past due which was a LIE. The person i spoke to XXXX then told me there was never a fraud alert put on my account. They accused me of lying about my identity being stolen then told me to send in who stole my identity. If i knew that i wouldn't be reporting my identity as stolen snd CLEARLY they don't know what STOLEN mean. I had no problem with the Banks or any Merchant i called put me thru XXXX or accuse me of stealing my own identity which is ridiculous. Avant is more worried about old transactions that i made months ago then someone stealing my identity.
I also made 2 payments which i've included that Avant still wouldn't update my account to a current status. I also included a screenshot from my credit bureau account.
|
| 07/10/2022 |
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
|
|
Web |
|
|
I received an email XX/XX/XXXX From Avant CC that they became aware of suspicious activity on my cc and my account had been blocked. I logged onto my acct and saw the red banner indicating a block with a phone # for customer support. There was XXXX in charges that I did not make. Both transactions were on XXXX for XXXX ea from XXXX XXXX XXXX , I paid this card in full on XX/XX/XXXX in the amt of XXXX bringing the acct balance to XXXX dollars. I called Avant customer service multiple times on XXXX and XXXX and was on hold for a total of at least 3hrs. As well, i emailed creditcards @ avant, com 4xs and have not received a response. I did speak with a rep, XXXX, on XXXX later that night at XXXX, she stated her name was XXXX and worked for a 3rd party company that takes information for Avant. I did provide her with a fraud complaint with regard to the above amount. She could not and did not provide me with a complaint number. She stated that AVant would be in touch with me to discuss further details. She stated that she requested that my account be closed and no new card was to be sent.
At this time, Avant has not responded to my emails and no f/u call has been received. As well, there are several complaints on their XXXX page about fraudulent charges and that no one can get in touch with Avant.
This company is not acting in good faith and at best is conducting business with little to no ethics.
I do not want to be responsible for these charges, I do not want my credit to be affected due to their lack of response and I want Avant held accountable for not responding to their customers They can be contacted : Avant XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
|
| 07/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
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I made my payment to Avant on XX/XX/XXXX. The funds were available in my account at the time of payment. On XX/XX/XXXX the payment was declined. I was charged a late fee as well. I spoke to multiple reps and was hung up on while attempting to resolve this matter. The funds were still in the account for the payment being made so I asked if we can process the payment via debit since they were having problems processing it via ACH. I transferred the funds to my account that has a debit card linked to it and provided the rep with the card number. They stated they were having issues on their end with the payment. I asked if they would like to try another card. They stated they would try my card on file and read me the number. The number they read was not a card but an account number for my ACH payments. I stated no do not use that account because it will take days to process. The rep proceeded to process it anyway. I explained I wanted to make a debit payment so its processed today. They said they canceled the ACH and took another debit card that I moved the money to and this payment went through. They apologized for the inconvenience and stated they would submit a request for the fee waiver because of a processing error. This morning when I woke up I had an email stating the waiver was declined and I also saw they took two payments instead of one. One of these payments is unauthorized. They stated it would take 14 days to resolve. So they are charging me fees based on their error and taking unauthorized payments. I spoke to a supervisor who refused to help and hung up on me. I have now called over 5 times trying to resolve my issue. This is a violation of TILA.
|
| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an AVANT credit card.I call every month during the first few days of the month and I ask for my entire balance .When I receive the amount from the customer service representative, I pay that amount. I pay in full each month. On XX/XX/XXXX I called and was given an amount of XXXX, which I paid in full. ( KEEP IN MIND A MINIUM PAYMENT WOULD BE XXXX ). On XX/XX/XXXX, I called Avant and was immediately asked if there was something going on in my life which caused me to be late in XXXX. I was shocked because I know I paid this account on time and in full.The account is due on the XXXX of every month however I pay between the XXXX and XXXX of the month, ( early ) .I asked the representative to please check the account because I was not late and paid XXXX. She checked and told me the XXXX was paid and on time but there was XXXX that was left as a balance. She discovered that in XXXX my whole balance was XXXX not XXXX. I then ask her how it is considered a late account when I paid XXXX the XXXX would be carried to XXXX She could not explain why it would be considered late.I then discovered a late fee of XXXX was added to my account for the XXXX. The company did reverse that however on my credit report they hit me with a notation of lowering my credit limit which effected my score. I have had identity theft in the past and i am trying to build my credit.this is wrong and totally the companies fault.They attempted to charge me falsely and lowered my credit limit as if I didn't pay on time, it effected my score. This is fraudulent practice. I CAUGHT IT this time.This company should be investigated for illegal practices to there customers.What can you do?
|
| 07/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I pay my loan every month through the Avant app. I pay more than the minimum, and always pay ahead of time with no issues.
There was something that went wrong in the app. Basically, it made two payments instead of one. I could conjecture about how that happened, but that seems pointless.
I got home from work and checked my email, noticing there were two emails from Avant confirming payment. I immediately called so they could cancel one of them.
I was told they can't do that because the payment hadn't finished processing yet. I asked how that made any sense, and got a lot of run around. First they couldn't do anything because it hadn't processed, then they couldn't cancel it because it had processed, round and round.
I finally spoke to a supervisor that told me she would escalate my situation to the refund department. But that any refund could take up to three weeks to process, I told her that was unacceptable but she didn't seem to care one way or the other..
This was on XX/XX/XXXX.
On XX/XX/XXXX, I called back to inquire about the status of my refund, and was told it was rejected ( no reason provided except for " the system declined it '' ), but that the second payment was applied to my next month 's payment.
I told her that was unacceptable, as I only get paid once a month and need that money to survive.
She told me I would have a supervisor call me back within an hour.
This didn't happen.
I've attempted to call back several times, each time they get as far as asking what i need a supervisor for, and then conveniently seem to lose signal.
This is the first issue I've ever had with Avant, and I have to say their response was atrocious.
|
| 01/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
I AM XXXX XXXX XXXX XXXX WITH SOCIAL SECURITY AS MY ONLY INCOME.I WAS OFFERED A CREDIT CARD FROM AVANT FINANCIAL CORPORATION. I WAS HAVING TROUBLE MEETING THE PAYMENT DUE DATE. I REACHED OUT TO AVANT 'S CUSTOMER SERVICE TO ASK IF THE PAYMENT DATE COULD BE CHANGED. I WAS TOLD " NO. '' I CONTINUED TO HAVE TROUBLE MAKING THE PAYMENT ON THE DUE DATE BECAUSE I DON'T GET MY CHECK UNTIL THE XXXX OF THE MONTH. AGAIN, I REACHED OUT. THIS PARTICULAR CUSTOMER SERVICE WAS VERY RUDE TO ME, STATING THAT I COULD TAKE MY COMPLAINT TO THE CORPORATE LEVEL AND THE ANSWER WOULD STILL BE " NO. '' I WAS APPALLED BY THE WAY I WAS TREATED, SO I WROTE A LETTER IN XXXX XXXX TO THE CEO OF AVANT, XXXX XXXX. IT IS NOW XX/XX/XXXX AND I HAVE NOT RECEIVED A REPLY. ALSO, BECAUSE OF THEIR BILLING CYCLE THERE ARE SOME MONTHS WHEN 2 PAYMENTS ARE REQUIRED. I'M HAVING DIFFICULTY MAKING PAYMENTS. THIS COMPANY DOES NOT SEEM TO WANT TO WORK WITH THEIR CONSUMERS. THEY ALSO DO NOT SEND REMINDERS WHEN THE ANNUAL FEE IS DUE WHICH CAUSED MY AMOUNT OWED TO BE IN THE RED!! OTHER CREDIT CARD COMPANIES HAVE BEEN VERY READY TO WORK WITH ME. AVANT DOES NOT APPEAR TO CARE WHAT THEIR CUSTOMERS THINK. I FEEL AS THOUGH I'VE BEEN TREATED LIKE A " SECOND-CLASS '' CITIZEN. I FEEL THAT I HAVE BEEN DISRESPECTED, BUT, FURTHERMORE FEEL THAT AVANT DOESN'T CARE!! I AM ASKING FOR HELP IN REACHING OUT TO AVANT ON MY BEHALF TO HELP RESOLVE THIS PROBLEM. BY THE WAY I ALSO TRIED TO CALL THE PHONE NUMBER LISTED FOR THE CORPORATE OFFICE IN XXXX. EACH TIME I CALLED I GOT A BUSY SIGNAL. THANK YOU FOR YOUR TIME AND ATTENTION TO THIS MATTER AND FOR YOUR HELP!! IF YOU REQUIRE FURTHER INFORMATION, PLEASE CONTACT ME.
|
| 05/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Hello. During the Application Process of getting a Credit Card w/ AVANT***, their website eventually brought my attention to Loans*** BUT NOT FIRST OR RIGHT OFF. [ Note : I did NOT know of their Loans and was sent a Credit Card Invitation by Standard Mail ... NOT a Loan Invitation OR anything about Loans, Etc. ] W/that said, my coming across Loans was of GREAT immediacy for which I am tremendously thankful and made it so as soon as I did, I applied on-line for a Loan and several times since nothing appeared to be working correctly time and time again. What I did NOT and did receive from AVANT about Loans appeared to be compromising*** my e-mail information AND the e-mail information of ONE AND TWO accounts, my contact information, my personal information, etc. and made me so extremely, extremely UNcomfortable to the point of POTENTIAL victimization that I called AVANT right away about both ... To eventually learn -to sum this up simply- that you can NOT have both ( Credit and a Loan ) at the same time.
Having said that too, what they did to me was so victimizing, etc., that I left the Credit Card AND the Loan w/ GREAT immediacy. Everything is of GREAT immediacy here!!!! Closed both. Have ABSOLUTELY NO interest in either or in their company and its business practices ... And do NOT approve of what they did to my e-mail accounts, my accounts, my account information, my password AND passwordS, etc. -they appeared compromised- and it still appears to have some continuance when it should have NONE. Very malicious, suspicious, and criminal-looking and -acting. Credit and Loans I have NO interest in whatsoever. A Company in need of correction.
|
| 09/25/2022 |
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
|
|
Web |
Servicemember |
|
Made a charge on XX/XX/22.
Filed charge dispute on XX/XX/22 with Avant credit card.
Was told of varying time frames from Avant as to when the dispute will begin.
XXXX XXXX Avant did send a letter requesting common information that I could not be home to readwas away from home for six weeks due to death in familyso I missed the deadline to render the information.
XXXX XX/XX/22 Avant sends a letter denying the dispute due to my not getting back to them.
Ive called several times, left messages.NEVER A RETURN CALL, MY CALLS WENT YO AN ANSWERING SERVICE.NEVER A CALL OR EMAIL!
Ive filed recently a CFPB complaint that has never addressed avants lack of communication and Avant never mentioned my attempts to contact them.
A {$95.00} purchase ballooned to {$150.00} with fees/penalties.
XX/XX/22 Ive remitted the {$150.00} to Avant because of PHONE CALLS AND EMAILS FOR COLLECTION OF DEBT BUT AVANT NEVER RETURNED MY PREVIOUS CALLS WHEN I WANTED TO RENDER THE PREVIOUSLY REQUESTED INFORMATION/APPEAL THE DISPUTE DENIAL!
I missed the mail and their one call due to poor telephone reception.
Furthermore avants call service is overseas and poorly pronounced English.very difficult to understand.
To add insult to injury all of this happened during a time of bereavement andthe website I made the purchase fromduring all of this .it closed with my information.
With my Avant credit card number.
And on XX/XX/22 I called Avant to put a block on my card.
Today when I made the paymentmy card wasnt blocked.
I dont want another softball answer, I want them fined/punished and my {$150.00} refunded.
And I XXXX Avantthey do have a fraudulent history.
|
| 03/12/2022 |
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
|
|
Web |
|
|
To whom it may concern : My name is XXXX XXXX account ending in # XXXX, I am a loyal card holder looking for help. I was paying my bill online as I normally do and noticed charges totaling more than {$1700.00} from several merchants on XX/XX/XXXX in hopes of helping me ( a loyal customer who has ALWAYS paid my bill on time for years XX/XX/XXXX and never had a problem, not even a late payment ). I immediately called in and reported my lost card and the charges that were not from me. I was transferred to the fraud department where I explained and pointed out all those charges that were not from me. I was told someone might contact me for more information and a full investigation would be conducted.
On XX/XX/XXXX I receive a letter stating that the investigation was complete in less than 2 weeks and a decision was made making me responsible for all charges.I have been trying to contact someone ( XXXX XXXX EXT XXXX ) from the FRAUD MANAGEMENT TEAM but oddly her phone goes directly to voicemail and she NEVER CALL BACK.even as I have left multiple voice messages stating this is a urgent matter. I am completely devastated and disappointed in your company which also seems a bit sketchy being that there are over 300 complaints similar to my situation on the XXXX website. I've never heard of a company that have a DEPARTMENT MANAGER that # 1 has no last name on the letter at all & # 2 phones go straight to voicemail and never return calls.
I would hope to have this matter resolved as soon as possible and speak to someone who can really conduct an investigation and replace my money back on my card because I am a VICTIM.
|
| 10/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
On XX/XX/2022 I needed to get an emergency car repair and I used my Avant credit card to cover the expenses. The total of the bill came up to {$450.00} and I had {$500.00} available credit because I had recently paid the account balance in full by making a payment of {$500.00} on XX/XX/2022 after making on time monthly payments and paying the balance in full several times. I called the credit card company of which I was told that my credit limit was decreased and I currently had a credit limit of {$300.00} and that they could not tell me the reason for the decrease although I had a {$0.00} account balance. I requested a supervisor and the agent disconnected the call. I then tried to use the card for the {$300.00} available limit and the card was declined and I tried to use the card for {$250.00} and the card was declined again. I called the credit card company again and requested to speak to a supervisor again and when I was connected to the supervisor I was notified that she could not tell me why my credit line was decreased but I would receive a letter in writing notifying me of the adverse action that I would receive in the mail in XXXX days and that there was a block on my card because of the declined {$450.00} transaction. The supervisor removed the block from my card and I made a complaint against the company. I then completed a partial transaction for {$300.00} with the unblocked available credit and I then logged into my online account and I noticed an over the limit fee and additional fees are still pending. I was not notified of the adverse action or the change in terms of the fees.
|
| 08/26/2022 |
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
|
|
Web |
|
|
Avant credit company issued a fraudulent card to someone in New Jersey using my name and social security number. This occurred on XX/XX/2022. I live in XXXX North Carolina. I received an email on XX/XX/2022 that this card was used in New Jersey. I immediately reached out to Avant to inform them that this was not me, I did not apply for this card. I was told they would remove this from my name. I then received an email on XX/XX/XXXX stating I have an outstanding balance of & XXXX, I called to be told I need to file an Identity theft victim complaint and affidavit, which I did and mailed to them. Approximately 30 days later I received a letter stating that it could not be excepted because it was not notarized our police report was not attached. I then as of XX/XX/XXXX resent the identity theft victim complaint and affidavit notarized via mail and email. I have called once a week and asked to speak to the fraud department, the supervisor, and was told it would take 48 hours to investigate and get back to me each time I will call. do this day this still remains on my credit and is a fact affecting my life, I was denied for a mortgage, had to pay an extra deposit for my apartment, was denied to refinance my car, all of this has occurred since XXXX. I want this removed from my credits I have provided all the proof they needed, my passport my drivers license and utility bill all showing my address and my name before I live I live in XXXX North Carolina. The credit card was applied for and sent to XXXX New Jersey, the address on the account is XXXX XXXX XXXX, XXXX XXXX, XXXX NJ.
|
| 07/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I have a credit card with Avant Credit Card. I had a couple of recent charges and I made three separate payments to pay off the balances that was owed. I reached out the credit card company wondering why my balance does not show any payments being made. The customer representative. stated that it takes up to 14 days to process any and all check payments. After, hearing what the representative stated, I decided to closed my credit card with this company. Now, Avant has all of a sudden lost my payments and charging me late fees. I even seen when Avant has endorse the check and still did no give my account the credit. I reached out to them on several occasion and get the run around. I have asked for a supervisor and was told that do not have any available and I will get a call back. I also email them on several occasion with all proof of payments and still no direct response. The remaining balance was {$25.00} and that was a late fee, that they charged me when they lost my check. I also mailed in a replacement check for the {$25.00} dollar onXXXX they lost. I ask will they waive a one time courtesy late fee since I never been late with Avant Credit Card and they denied me, because I requested to have my account closed. I been a customer with Avant since 2019 and never been late. Now, I received a invoice for {$83.00} and this is late fees and interest rates. This company needs to be stop. Can you please investigate them? I have all proof of payments and emails of me trying to resolve this matter. I never thought I have to ask Consumer Finance for assistance. Please help me!
|
| 07/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Avant Credit Cards are a scam They pretend they are sending a card. I never receive the card.After 10 days call them back, they say we will send you another, they never did. I called, emailed, kept telling them they did not send it. They ignored me, and ignored me. I never received the card, it is a non-activated card. They went ahead, and put their annual fee of {$39.00} as a balance owed..on a never received card, never activated. This is unethical. I said I want the account closed ASAP. They replied not until you agree to pay the balance ( {$39.00} fee ) to XXXX balance. I told them I never received the card, you can not charge the annual fee. The scam is never send a card, ignore complaints that never received, so they can charge {$39.00} fee, then insist you must pay it or can not close the account. There are many many complaints on XXXX about other people never getting their cards and told they can't close the account until you pay the {$39.00}. Many complaints just like mine. This is frightening how Avant is allowed to rip off people even with credit score of only XXXX. They generate fake card numbers ... yes they do. That is how they generate the {$39.00} annual fee to make you pay it.Then if we do not pay for a fee on a card never received, they pile up late fees. Its a scam to get XXXX 's of customers to pay them a {$39.00} fee on a card never received, make me and others out to be XXXX. Then hung up on me several times telling them I never received card. Then they send me an email to pay them their annual fee {$39.00}, or late charges will be added.
|
| 10/31/2022 |
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
|
|
Web |
Servicemember |
|
In XXXX, there were multiple hard credit inquiries made on my credit. XXXX XXXX, WebAvant LLC on XX/XX/2022, and XXXX XXXX XXXX Bank on XX/XX/2022. Noticing multiple hard inquiries that were not requested by me, I submitted for a credit freeze on my XXXX account since thats where the first hard credit notification came from.
In XXXX, I received many alerts from XXXX, XXXX, XXXX XXXX and other credit monitoring services asking if I opened a new credit card or tradeline. After checking my credit report I noticed the following new accounts.
A credit card from AvantLLC was successfully opened by somebody using my identity in 1 day and currently has a balance of {$59.00}, which is all I can see on my XXXX report. I immediately sent an email to AvantLLC on XX/XX/XXXX explaining the fraudulent account in which they replied my information in the email doesn't match any accounts they have open. They responded on XX/XX/XXXX and asked for " information we can commonly use to find accounts includes name, date of birth, last four digits of Social Security number, email address, telephone number, and street address. '' I didn't feel comfortable sending that information to them though email or over the phone since I've never even heard of the company before.
A credit card was opened through XXXX XXXX and the by the time the credit card was reported on my credit there was a {$3000.00} balance.
After seeing multiple hard pulls and then the credit accounts actually having been opened I reached out to XXXX and XXXX to have fraud alerts placed on my account in XXXX.
|
| 11/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
Servicemember |
|
Hello, My name is XXXX XXXX! I am writing yet again with another complaint against this Fraudulent company. I applied for a card at the end of XX/XX/2021. I was approved for an account and told that a new card would be mailed out. At the end of XXXX after not receiving the card, I started receiving notices about an Annual fee being charged, although I had not yet received the card or activated the card.
I called their overseas customer service department and was told that a replacement card would be sent out.
It is now XX/XX/2021, almost one and a half months since the opening of the account- without a card in hand. And I have a fee that is due as of XX/XX/2021.
I have verified my address and have had no mailed delivery issues since the opening of the account.
I receive daily mail notifications from the USPS via email, which identifies the day 's mail that will be arriving - every day. And so far there has not been one piece of scanned mail through the postal system from Avant!
This is unacceptable.
Customer service has yet again told me that since I have not received the card or activated it that I would not be responsible for the annual fee. We know that is a lie because the due date has not changed or the fee has not been zeroed out!
I am requesting that the placement card be issued next day delivery via XXXX or XXXX.
I am also going to file with the IL AG office and the CFPB.
I expect to receive a phone call from the Avant Corporate office, with a plan for resolution, as soon as this complaint is received!
-- Thank you, XXXX XXXX XXXX
|
| 09/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ).
If you, Avant/WebBank adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal.
I am aware that you, Avant/WebBank, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.
|
| 05/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
An unauthorized person used my identity/information to try to obtain a credit card from Avant. I immediately saw the erroneous attempt and called Avant to request that they decline the credit card application on the basis of fraud. After being told to email " XXXX '' several times, I told the customer service rep that this simply wasn't good enough for someone to contact me in 5-7 business days and I wanted to be sure that the credit card application was declined or flagged as fraud. They allegedly flagged the application but I couldn't talk to the Fraud Dept or anyone else to get resolution beyond a customer service rep. I immediately emailed " XXXX '' with the information. I wasn't contacted so my husband filed a XXXX Complaint ( since the criminal used his email address as part of the credit card application ). Only then did Avant reach out to me. They sent me a form to complete and send back, which contained all of my personal information like SSN, DOB, Driver 's License, proof of residency, but have not provided a secure email or file transfer option. I don't feel comfortable sending this into a general/unsecured email box or via fax or mail. They have not responded with a secure email option. Avant seems to be ripe for fraud since they don't do a " hard pull '' on financials of those applying and obviously, have an inept fraud department who is completely unresponsive unless you file a XXXX Report to deal with these targeted fraud issues!! I saw the fraud happening in real time and Avant was completely unprepared to handle the issue ....
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| 05/23/2022 |
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
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Web |
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This complaint involves a fraudulent card opened in my name through Avant credit card. I noticed an email on XX/XX/XXXX regarding I was approved for a card. I sent a follow-up email questioning this approval on XX/XX/XXXX. Also, I received an email the aame day that Avant was notified via XXXX for a discrepancy in addresses, yet the company still opened the account and mailed the card to this address which is NOT mine. I am a life-long resident of MA, and the card was sent to IN. On XX/XX/XXXX through today, XX/XX/XXXX, I have requested NUMEROUS times that this account be closed. Nobody has closed this account, despite all of the requests. I have several emails proving this request was made on multiple occasions, yet I have never received any follow-up emails. I submitted the required documentation via email today ( XX/XX/XXXX ) so this case can be investigated, as requested by the company ; however, I want this account closed. When I called their number for customer assistance, nobody was able to help me, and I kept getting directed towards emailing the fraud department and id theft departments. Again, I never got any answers from anyone. This whole ordeal has been a nightmare, and I truly question the legitimacy of this company, which is why I am asking for your assistance. I also just received a bill for {$25.00} from Avant credit card, as this card apparently has a {$39.00} annual fee. I would never recommend this company to anyone, and am at the point where I will begin contacting local news outlets if this matter does not get resolved.
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| 09/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I received a credit card from avant several months ago in hopes of rebuilding my credit to purchase a home. I received the card used it a few times throughout the day then the last purchase I attempted to make declined. I immediately contacted customer service to inquire about this because it was a brand new card and I know that the small purchases I made didnt total to the credit limit of the card. This was over 60 days ago it is reporting negatively on my credit report and I only received some assistance when I opened a case with the XXXX. I decided to call today because again it has surpassed the 60 days that they claimed the investigation would take. Coincidentally I was told I received a denial for my claim today through email which I did not but it was awfully strange that when I called the case so happens to be closed on this particular day. This is reporting negatively to my credit report for months assistance with this matter has been nonexistent to say the least. Again this and several other cards which are current were to build my credit. Avant isnt protecting its customers and is trying to get over which is no better than the individual who utilized my card however they were able to. I will fight this charge until it is removed I will not pay for something I didnt do. Avant has dragged its feet for several months on this issue I will not be silenced about this I hoped this would be a good experience but it has been one of if not the worse experiences Ive had with a credit and company to date.
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| 05/19/2023 |
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
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Web |
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On XX/XX/XXXX, while on vacation in NY, I noticed a charge on my Avant Credit Card for {$1400.00} from XXXX XXXX NY. I contacted Avant to report my card lost and notify them of the unauthorized charge. They credited my account and sent a replacement card. I thought everything was fine.
On XX/XX/XXXX, I notice the charge had been re-applied. I was confused, because I thought this matter was complete. I called them and the rep was confused as well. I called back the following day and spoke with someone else, who told me a 'XXXX XXXX had re-applied it because 'I was in the area ' and/or 'I took a few days to report it lost '. I reported it lost the moment I realized it. 1 called 3 more times over the next week, each time being promised I would get a call back from XXXX, which never happened. I was even promised a call back from the rep who was going to see XXXX the following day. No call was ever received.
on XX/XX/XXXX, I receive an email from XXXX stating the bank now wants a Police Report, which is fine, however I can not file that online for the reason ( lost card/unauthorized charges ) with the XXXX. I am XXXX miles away as well. I replied back asking how to proceed, but again, I am receiving no replies as of XX/XX/XXXX.
It seems they don't want to handle the situation properly and are making me regret ever doing business with these third rate credit card companies.
It was my understanding that I am not responsible for charges made without my consent, but yet here we are.
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| 08/23/2022 |
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
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Web |
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XX/XX/2022 - Received an email from Avant Credit stating that an application for credit could not be completed due to a credit freeze. This was a fraudulent application submitted in my name. I called Avant and reported the application as fraudulent, requested to see the application and requested that they inform the 3 credit bureaus that this inquiry on my account was fraudulent. Avant customer service said they'd forward the information to the Fraud team and the Fraud team would email an " Identity Theft Victim 's Complaint and Affidavit '' form within 5-7 business days. I could send the form back and then they'd be able to investigte and proceed.
XX/XX/2022 - Received the Affidavit form from Avant Fraud via email.
XX/XX/2022- Emailed notarized Affidavit form back to Avant ( at XXXX ), as per their instructions.
XX/XX/2022 - Called Avant customer service to follow up on the status. They stated that there is no way to speak to anyone on the Fraud team, I should email the Fraud team again at XXXX to follow up.
XX/XX/2022 - I still have not received a response from Avant. I called again to follow up, again was told to email. I stated that I have yet to receive a response to my previous emails. Customer service stated that they would escalate my inquiry and someone from the Fraud team would respond within 14 days.
I decided to file this complaint with the CFPB because it has been nearly 3 months since I submitted information on this case and no one at Avant will contact me.
|
| 02/19/2022 |
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
|
|
Web |
Servicemember |
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I reported fraudulent charges made to my account on XX/XX/22 when I received my monthly statement showing charges at a location in Singapore. I immediately called my card holder, Avant and advised the charges were fraudulent.
I asked that the card be closed and that the charges be removed. Avant advised they would send me a new card and refer my report to their " investigation '' unit.
A week later I followed up and the charges had not been removed and no statement had been added to my online account that I was disputing the charges and they were fraudulent.
I then followed up with XXXX separate emails and a written letter to Avant asking that the charges be removed or disputed and advising them of my rights under the Fair Debt Collection Act, Credit Reporting Act and other consumer protection laws to dispute the fraudulent charges and not have to pay them while they were in dispute.
Avant has refused to place these charges in dispute and has reported my new " balance '' to my credit reporting agency causing my credit score to drop XXXX ' points ( prior to this I had a XXXX balance on the card ).
I have asked to speak with a supervisor and was told one would call me within 24 hours. That was a week ago and to date no one has called me.
I believe Avant is intentionally delaying its so called " investigation '' to force me to pay for these fraudulent charges before my payment due date or have a late payment reported to my credit bureau causing my score to drop again.
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| 04/21/2022 |
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
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|
Web |
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On XX/XX/2022 I noticed a charge of {$39.00} from a merchant XXXX
On XX/XX/2022 I noticed a charge of {$46.00} from a merchant XXXX
On XX/XX/2022 I noticed a charge of {$39.00} from a merchant XXXX.
On XX/XX/2022 I noticed a charge of {$39.00} from a merchant XXXX
I reported Avant credit card company when I noticed that these charges are all fraudulent and I did not authorize those merchants to charge my account.
The customer service representative took all my information and told me it is a good idea to pay the minimum balance of {$25.00} so my account would be in good standing and once they investigated the claim. It would be credited to my account. Note ... that I would not have a balance if it were not the fraudulent transactions. I agreed and paid the minimum balance. On XX/XX/2022 Avant charged me {$2.00} finance fee on fraudulent transactions.
On XX/XX/2022 Avant charged me late fee of {$25.00}. And then on XX/XX/2022 the following items credited the finance fee {$2.00}, {$39.00}, {$39.00}, XXXX. Notice that {$46.00} was not reversed. Then on XX/XX/2022 there were 3 security adjustments made for following amount {$39.00}. Then Avant on XX/XX/2022 charge me additional late fee and has reported the late fees to the credit bureaus. ALL THIS STEMMING FROM FRAUDULENT TRANSACTIONS THAT I REPORTED!
THIS COMPANY DOES NOT HAVE NO BUSINESS ETHICS TO PROTECT CONSUMERS FROM FRAUDULENT TRANSACTIONS. THEY CHARGE FINANCE FEES AND LATE FEES THAT ARE UNDER INVESTIGATION.
|
| 06/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
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On XX/XX/2022 I received my Avant credit card in that mail and on XX/XX/XXXX I activated the card. Upon leaving work on that day I purchased dinner to go at a restaurant with the card, this purchase was approved. Prior to getting home I stopped at XXXX to get RX, this transaction was declined. I contact Avant the following day to see why the card was declined and was told that there was a fraud alert on the card. I informed the company that there was no fraud I was the one who used the card. In the following week I received a email requesting a copy of my picture ID and bank statement with my current address in which I did. I was told that the investigation could take between 30 and 90 days and that I would have to wait fir the results. I have recently been informed that the restaurant sent the receipt for the food to the credit card company to request payment a was told that I fraudulently used a credit card and purchased the food I received. This restaurant is a place I frequented prior to the pandemic and because I was scheduled to be in the office that week I wanted to eat there. XXXX XXXX XXXX XXXX XXXX XXXX for more than thirty years and they have been informed that I used a fraudulent credit card to purchase food. I contact Avant again today XX/XX/2022 to try to get this issue resolved and was told that I need to wait until the investigation is done and when I asked for a supervisor because this would affect my job I was told that there was no one available.
|
| 11/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Hello, I was harassed everyday by this company. They have bad reviews on the XXXX and their rating is a 1.
15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.
This was breached!!
I was harassed day and night by this creditor 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
This was violated!!! I was stressed out and scared of what they would do to me in court and too my credit!
This debt was paid already to which i am not legally obligated to this debt. They bought the loan from Avant which means the debt was paid for.
This a violation of Title 15 USC!!
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This was violated!!!
The law is very clear as to the Civil liability and the remedy available to me, according to 15 usc 1692k. Furthermore, failure to honor this requested DEMAND will lead me to fully intend on pursuing litigation in this matter suing XXXXXXXX XXXX XXXX for actual damages sustained.
I am the consumer which means if these laws are violated that is {$1000.00} per violation which equals {$5000.00}.
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| 02/24/2022 |
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
|
|
Web |
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On XX/XX/XXXX I received an email stating that I had a statement for my Avant card. Given that I had paid this acct in XXXX of XXXX I was not expecting to have a balance. Upon logging in I see that there is a charge for XXXX XXXX XXXX for the amount of XXXX made on XX/XX/XXXX. I immediately call customer service to report this. I was told that they would forward the information to the frauds department and issue a new card. On Tuesday XX/XX/XXXX I call just to check on the status as I have not seen any type of credit issued to acct to cover charge pending the conclusion of the investigation. I had to call multiple times as the agents would hang up on me. When I finally got ahold of someone they said I would need to make the minimum payment pending the investigation and that my acct would later be credited. But that makes no sense. If my acct would be at XXXX how would they credit another XXXX dlls to it? I asked to speak to a supervisor. I was hung up again. When I called again I was told that I would need to be added to a wait list as the call waiting times were long. Next day I received an email where I was information that a supervisor tried to contact me. I immediately replied saying that no such thing had happened. Received another email stating I was placed again on the callback list. Today we are on XX/XX/XXXX XXXX central time and I have yet to receive any callback to find a resolution to this issue. This horrible company needs to be investigated.
|
| 03/05/2023 |
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
|
|
Web |
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I have a charge on my account that I have been disputing since XXXX on 2022 and the CC company has done nothing to rectify this issue. I have sent them all the information and still nothing. I have been waiting for a supervisor that they keep promising me they will call me and nobody ever does. This has affected my credit score and I have had to put my purchases on hold because of it. I have filed a complaint withing the company and still nothing. I have made numerous calls to this CC company trying to get this fixed and taken notes every time I speak with a rep. I really need to get this fraudulent charge fixed and removed from my account. The company even went as far as decreasing my limit when I made the complaint against them and then apologized a month later to reinstate it back to the original credit limit because they were wrong but they still have not fixed the original issue.
This company has still not bothered to reach out to me to get this issue fixed. They have not requested anything and this is affecting my credit score. This has been on going since XX/XX/2022 when it first started. They responded before the 15 days claiming they are still in the process of working on it. I have already submitted all screenshots of how many times I have tried to get this resolved in that time frame. This should not be in process for nearly 7 months after I have already sent them all the info they needed. I will be now filing a complaint with the XXXX.
|
| 03/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I called to make a payment on XX/XX/XXXX and advised the rep that I am still unemployed due to the pandemic.I was charged a late fee for the missed payment on XX/XX/XXXX and I submitted a request to have the late fee waived as a courtesy. The rep that I spoke with advised that I had not had a late fee waiver recently and after reviewing my account she has not seen a late fee waiver EVER. I received an email 24 hours later stating that the fee waiver was rejected and there were no logical reasons indicated. I immediately contacted Avant customer service and spoke with a supervisor who stated that he also sees no valid reason on file as to why the late fee removal was declined but he escalated my concern. I am totally appalled by this lack of compassion and leniency especially during these tumultuous times. I enrolled in a hardship program with Avant back in XX/XX/XXXX when I became unemployed and I managed to still make consistent payments. Many lenders and creditors have announced proactive measures to help borrowers impacted by COVID-19. The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that may apply to your situation. Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Under the CARES Act, in certain situations, lenders are required to report your accounts as current.
|
| 08/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XXXX, there was a fraudulent purchase on my AVANT Credit Card account. At that time, they deactivated the card and said they were sending me another card. I called their customer service and/or sent an email requesting a card. In XXXX, there was fraud on my bank account and therefore, the auto payment was declined for XXXX. I explained to the manager that I did not have a card, and was told they would issue credit because I could not take advantage of a service for a card that I had not received. I then received an email stating they would credit me any unused portion instead ; however, they still have not sent me a card. When I spoke to customer service and asked them if they could issue a courtesy adjustment since I did not have the card, and they refused. I had to close my card under duress because they refuse to issue an adjustment but were continuing to charge me late fees on a {$25.00} balance. This has resulted in a XXXX point hit to my credit report. I have no payment issues with any credit card companies, and this could result in a domino effect where other companies penalize me over {$30.00} and reduce my credit limit. I have never been late with this company and always paid on time. I find it hard to believe that they would sour their reputation over my hard earned {$30.00}. There are no special benefits, perks, or rewards that I have received in XXXX years, but forcing me to pay a fee.
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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To Whomever Concern, On XX/XX/XXXX. The Original Creditor AVANT/WEBBANK added a collections account on my credit report per XXXX XXXX XXXX XXXX Upon further research, on XX/XX/XXXX When First Noticing the account. I asked the company XXXX XXXX XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. AVANT are breaking multiple laws as they have sold this debt 3 times, and each time I XXXX XXXX Has disputed the inaccurate account, In results the account was not verified, and was removed immediately. After the 30 days, but the debt was SOLD TO XXXX XXXX XXXX, and the company put the debt back on my credit report. Im demanded for this account to be removed from my credit report, due to the fact the original creditor could not verify the collections account. AVANT immediately sold the collections account to XXXX XXXX XXXX Without any acknowledgment XXXX XXXX XXXX is also reporting the inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this COLLECTIONS ACCOUNT off my credit report. As I have no association with AVANT/WEBBANK OR XXXX XXXX XXXX XXXX
|
| 12/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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Web |
|
|
As explained in numerous prior CFPB complaints against Avant, funds from approved loan in amount of {$6800.00} never received, appear to be deposited into incorrect account, which Avant tries to refer as fraudulent. It appears Avant is doing so in order to possibly recover funds via fraud claim for insurance purposes, however, I can not confirm this. Partial payments were made on loan, then ceased due to non-receipt and extortionate interest rate which if paid, would double loan amount in total, do not have terms available to provide exact amount ( s ) ... ..Avant replied to this issue by referring to prior communication made with them, which has nothing to do with non-receipt of funds. The account is now supposedly charged off to XXXX XXXX, in which case, they have not contacted me about account, have not sent me any notice. Previously, I offered to settle account with partial payments made, it appears Avant refuses to accept offer, in which case, no additional payments will be made. I've attempted to contact XXXX XXXX to prove information including non-receipt of funds, there appears to be no number or address for them, possibly internal collections for Avant ... As stated in prior complaints, I have been unable to confirm if account is still reported to credit bureaus, do not have credit file available. If reported, i request Avant remove account, if not, it will fall off after XXXX years.
|
| 07/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
On XX/XX/2022 I was notified that my account had been blocked due to potential fraudulent activity. I logged into my account and seen XXXX fraudulent charges. I called customer service to start the dispute process. The charges were credited back to my account on XX/XX/2022. The fraud charges posted on XX/XX/2022. A new card was ordered. I called customer service on XX/XX/2022 at XXXX to have my new card unblocked. I spoke with several reps and they are all refusing to activate my account again, they are telling me it can take months for them to turn my account back on while they investigate all fraud that happened on other consumers cards in the same manner as it happened to me. This is absurd and uncalled for. They charge me an annual fee of {$60.00} to have the card. Why would I pay them {$60.00} annual fee when I cant even use the account and at that dont know when the card will be back on. This card issuer does very shady business practices. I want my annual fee waived permanently due to the inconvenience this bank has caused me. {$1000.00} limit and a {$60.00} annual fee when my XXXX XXXX XXXX is XXXX. Thats got to be a joke. I have credit cards with no annual fees and limits high as XXXX on some. Who gives a borrower a $ XXXX limit with a {$60.00} fee with a score of XXXX. I have a XXXX card else where with {$60.00} annual fee, that i see feasible due to a bigger credit line.
|
| 11/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX a check was delivered to Avant in order to close my account. I waited a while before checking my credit score because I know it takes time to reflect or update new information. After some time I did check my credit on XXXX where I found that Avant was still on my report. I called the company that sent the check and they responded with a copy of the check that was sent to Avant also showing that check was cashed. I realized the check was sent under my boyfriends name with my loan number. I called Avant and asked about check and I also explained the name mistake but they assured me that since the loan number was on the check it would be going towards paying off my loan. I was sure that after everything was explained my loan would be paid off and show as closed in my report. I waited yet again before checking my credit report to find that it was still open. I reached out to Avant a few times more and each time I was assured that my problem would be resolved. It is now XXXX and my report is still showing open. The payments stopped after XXXX and no activity since but it is still on my credit report and I keep calling Avant and submitting disputes on XXXX and have no answers yet. I have some screenshots of the letter they sent to my old email and some emails in my active email snd copy of the check also a screenshot of a refund to me from Avant after my loan was paid off.
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
As a federally protected consumer, I have been violated by AVANT. I have in good faith made several attempts to contact XXXX XXXX, XXXX XXXX and a representative from Avant Compliance Department to remove inaccurate credit information from my consumer reports. On XX/XX/2022 I sent out my first notice by email and USPS certified mail # XXXX ( attached ). I believe for good reason that my concerns were not sufficiently addressed. On XX/XX/2022 I sent my second notice by email and USPS certified mail # XXXX ( attached ). I believe for good reason that my concerns were sufficiently addressed. On XX/XX/2022 I sent my notice to opt out of AVANT 's privacy policy via email and USPS certified mail # XXXX ( attached ). As of today XX/XX/2022 I have not received a sufficient response to my concerns nor have I received any confirmation that I have been opted out of AVANT 's privacy policy. My biggest concerns is that AVANT never gave me an opportunity to opt out of credit reporting since credit reporting is NOT MANDATORY and I have not yet been opted out of AVANT 's privacy policy after giving notice that I want to opt out. My other concern is that this " account '' is being reported as " charged off '' so why has AVANT not provided me with a XXXX? AVANT has no proof of authority, permissible purpose, or my consent to report this account to my consumer reports ( Exhibit Z attached ).
|
| 03/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX I forgot a payment was due on XX/XX/2022 I called and the company waived the XXXX late fee and I made my XXXX payment for XXXX that day, I received an email stating my late fee was approved and waived I called XX/XX/2022 to make my XXXX payment early that was due on XX/XX/XXXX the customer service rep said the computer was down so I called XX/XX/2022 to make my payment of XXXX that was due XX/XX/XXXX and asked why the XXXX late fee wasn't taken off he said I cant find anyone to help with that question call in an hour I called back and was talking to a lady 25 minutes the phone was called was disconnected I called back another representative said I only had to pay XXXX so paid that she took the XXXX off but she didn't now I'm charged another XXXX late fee when my payment for XXXX was paid on time I called the company today to tell them my XXXX late fee for XX/XX/2022 was approved to be waived and then they charge me XXXX late fee for XXXX because I didn't pay the XXXX late fee for XXXX .my payment was not late for XXXX and the customer service rep was rude and would not let me talk to someone with more authority than her .the company is Avant credit card company in Illinois I XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 and still no one will fix the mistake Avant made and keep charging me late fees I dont want this to mess up my credit reporting.
|
| 03/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
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|
Web |
|
|
I was denied credit by AVANT which is a violation to my consumer rights per 15 U.S. Code $ 1681m - Requirements on users of consumer reports which states ( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall- ( 2 ) DUTIES OF PERSON TAKING CERTAIN ACTIONS BASED ON INFORMATION PROVIDED BY AFFILIATE ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall- ( C ) Information described Information referred to in subparagraph ( A ) - ( i ) except as provided in clause ( il ), is information that- ) ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; and ( Il ) bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer ; and ( ii ) does not include- ( 1 ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report..
|
| 05/01/2021 |
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
|
|
Web |
|
|
Contacted Avant credit card about a charge for XXXX music that wasn't mine. They sent me to fraud department ( so called ) all the man could do was stop the account and send it to fraud department he wanted to know how long it had been going on. I looked back a few months and found it to have be going on for a few months. I started to look farther into the account. I found out the first time I applied was XXXX of 2018. It said closed second was opened XX/XX/2018 XXXX has a few little charges and then I see a balance carried over but it said nothing from where, I ask them about that girl look into it more said she doesn't understand there was a third account! I had thought these were house bills I paid with the card or something then I seen a charge from XXXX XXXX XXXX and cash advance XXXX. I should of taken a screen show of it because since i.said something now it is gone. We refinanced the house to get out of debt I was fine for one month and again the 9 something shows up on my account again. I have spoken to this web based credit card company 6 times telling them they never closed my account they said they did I had to out a stop on my account I have been making payments on for over 5 years now on things I never changed. And no one as yet to call me back. Please help me figure this out I am disabled and can only put out the money that has to be. Please help me XXXX
|
| 12/14/2022 |
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
|
|
Web |
|
|
While checking my credit report, it showed I had 2 new accounts, which I knew wasn't true. I looked at what was new, and 1 was correct, but I also seen the another new one was opened, that I did not open or request. XXXX / XXXX is what is showing for the company name. It was opened on XX/XX/2022, account is a credit card, with a {$1000.00} limit. Highest balance shown is {$39.00}. Another thing I noticed, when I looked at my personal information, it is showing a previous address for me : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, which is also showing that address was reported on the same date the card was opened, XX/XX/2022. I have never lived in XXXX. This is apparently where you need to look for who opened the account. This person needs put in jail for identity theft. I did not open the XXXX / XXXX card, and it needs to be closed and removed from my credit report!! I tried calling the company and refused to give too much information, bc there's no reason why they need my birthday and social security number. I know nothing of this company, and they don't need more of my information than what they already fraudulently received. I asked them to close the acct. They refused to help me without me giving them my information, they told me if I don't tell them that's my problem and they hung up on me. Very odd. Non English speaking, very hard to understand. Not willing to help.
|
| 05/05/2021 |
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
|
|
Web |
Servicemember |
|
This was my second card with this company, I had my first credit card stolen from my mailbox as we have a lot of mail theft. XXXX refuses to send them priority mail or private mail. So I received my new card. Around the beginning of XXXX I noticed I couldnt find my card, I got my bill and noticed two extremely strange charges on my bill. I immediately called and told them my concerns. She was rude and I could barely understand her. She insinuated I wasnt telling the truth.
The fraud department wasnt very helpful and ruled against me. Then sent me another card with telling me, which was stolen from my mailbox. I had no knowledge another card was even in circulation. Someone is now going around town spending my card on smoke shops and expensive gasoline. I am a severe asthmatic I would never go to a vape shop nor would I spend {$70.00} in a gas station. This credit card company is taking advantage of me as the consumer and continues to bounce me from department to department. I dont have a lot to money and they are expecting me to pay for it even though I havent used the card since mid XXXX to buy pizza. That was the lag time I had their credit card.
Additionally, they said I made a payment of {$160.00} dollars in XXXX, I dont remember doing that and I looked back in my bank account. Theres absolutely no record of this payment. SoWHO HAS CONTROL OF MY ACCOUNT????
|
| 09/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid a charged off account that I had with AvantCard in the amount of {$740.00}. The first payment was made XX/XX/2023 in the amount of {$50.00} and the second was made on XX/XX/2023 in the amount of {$690.00}.
Towards the end of XXXX I received a notice that a new collections account was reported on my credit reports from XXXX XXXX. XXXX XXXX shows that I owe {$740.00}, since apparently they purchased the account from Avant. This is not accurate as I paid Avant in XXXX.
Avant sent me an email after an inquiry from me telling me that they would forward the payment in XXXX. I contacted them today, XX/XX/XXXX, and now Avant is telling me that the payments are pending ( which is not true as I have proof that they posted from my bank accounts ). Makes no sense to be pending since they were made over a month ago. They say somehow XXXX XXXX should have access to that ( which makes no sense since I paid it on Avant 's website ). XXXX XXXX says they should have received the payments since they were paid so long ago.
I don't know who is in the right and in the wrong but I know that my account has been paid and it's now being reported incorrectly on my credit report as a new XXXX XXXX collections account with a balance even though it was paid before XXXX ever showed up on my credit report. This is not accurate and needs to be resolved by both companies.
|
| 07/07/2022 |
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
|
|
Web |
Servicemember |
|
I was initially contacted by Avant on Thursday, XX/XX/XXXX. Initial contact was made by their fraud department to verify three charges that were flagged as suspicious. I identified all three charges as fraudulent and not made by me and they responded that they would research them further. Since then the charges have moved from pending XXXX accepted and now my account shows that I owe {$270.00} which was the total for all three fraudulent charges. These charges were all done in even amounts and seem like they were sent to individual people somehow. I called again the following day which was a Friday to confirm that the charges had been removed from the account and they advised me that they were still investigating. After hearing nothing I again called today XX/XX/XXXX to ask what the latest was on this case and was advised that I would have to pay for the charges and if they were found to be fraudulent they would refund my payment. This is unacceptable and as a result, I advise them that I wish to close my account. According to XXXX XXXX liability protection policy I should not be held responsible for unauthorized transactions and in this case, Avant is holding me responsible for transactions that were not made by myself. I did not make these charges on my card and am a victim of fraud and Avant is still making me pay for charges on this card.
|
| 12/01/2022 |
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
|
|
Web |
|
|
My avant card was stolen and used in another state. When I became aware of this I reported the fraud to avant and opened billing disputes on the fraudulent charges. avant closed the stolen card and sent a new one. avant requested a follow up call with me in which I responded as requested and provided the information I had at the time. I was credited a security credit but in retaliation for filing a dispute avant reduced my credit limit from XXXX to XXXX under the guise of an account revaluation. I know this to be true as the only thing that had changed with my credit profile at the time was the dispute - as a matter of fact my credit score actually increased between the time I was approved for the card and when my limit was lowered. Now to make matters worse I have been recharged for the fraudulent charges. So avant not only lowered my limit in a retaliatory fashion but is now also holding me responsible for fraudulent charges made to my account. avant has not communicated with me voluntarily as is their regulatory duty and avant has violated my rights in numerous ways under the Fair Credit Billing Act. Avant does not care about their customers, customer rights, or investigating in good faith.
On XX/XX/30 tge investigation team reached out and asked I file a police report. I returned the report tge same day. Have not heard anything else.
|
| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
On XX/XX/22 I identified an unauthorized hard inquiry on my credit report by a company named XXXX Avant/ Avant XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX IL XXXX. I immediately contacted them at ( XXXX ) XXXX and asked why they pulled my credit without my authorization at which time they stated that someone had opened an account with them using my information. They also stated that the account had not been funded. After a series of questions they stated that their Fraud Department would be handling this case and that they would be in touch with me in a few days. I waited a week before calling them to find out what was happening and got nothing but poor excuses. On XX/XX/22 I received an Identity Theft Victims Complaint and Affidavit in which I immediately completed with a Law Enforcement Officer XXXX. Upon completion I emailed it back to them at XXXX per their instructions. On XX/XX/22 I contacted them again to ensure that they had received the Complaint and they refused to tell me anything!! also refused to tell me that they had received it even after they verified my identity, They were acting very suspicious so I went to the XXXX XXXX XXXX and looked up the Company and was horrified to find multiple issues with this company EXACTLY like mine. This company needs to be investigated and shutdown for its possible criminal activity.
|
| 09/08/2022 |
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
|
|
Web |
|
|
I have been in contact around XXXX or XXXX moths send about XXXX emails and about XXXX phone calls.
This situation is about a lost credit I explained everything in great detail. At XXXX point I was everything has been determined that you are not responsible for any transactions in XXXX of my calls went regarding my new card replacement and more details regarding this situation. I was told as mentioned previously not to worry everything has been determined youre not responsible and you card was ship out. I received the card.
Later I received a email saying that I was advised you are. I response and front that point forward. I was told that information was escalated. I don't receive any assistance on how to speak or communicate with that department all I received your claim was escalated.
My last was today see below.
XXXX XX/XX/2022 In other words is escalated to another department and you can't get them to provide any information regarding this situation or provide me a contact number.
You refer me to a customer service department that they don't have access to this situation we go back and forth.
I keep tell you this is very poor service and unprofessional service this is been going on for 4 months.
You have broken laws pertaining customer protection act. Under many government agencies.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I opened an Avant mastercard by Invitation from Avant in XX/XX/2022, I was approved for a {$1500.00} credit limit with no fees. After receiving the card, I used it for {$320.00} then paid it in full before the payment was due. The next month Avant lowered the card limit to {$300.00} with no explanation, Avant hurt my credit for no reason. I am in a credit rebuilding situation already and their action put me further away from my goal of good credit. When they decreased my limit I had a XXXX score with ten old negatives and 13 positive current open accounts with like {$14000.00} available credit and {$150.00} balance cross all cards and 15 old closed accounts in good standings with XXXX bal. I had decent enough credit to get approved for almost any credit I applied for.. Ok here is the scam. If a customer pays the card in full every month and doesn't accrue any 29.99 % interest, they lower your limit by 80 %. I just read customer reviews from the Avant web site and most are almost exactly like what I'm writing here today. Paying their balance in full and having their limit decreased by XXXX % which lowers their credit score even more they're trying to improve! They are preying on citizens who are just trying to better their credit standings and it's not fair! We can't even close these scam cards because it will hurt our credit even more!
|
| 04/18/2022 |
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
|
|
Web |
|
|
My line of work ( non-profit ) was affected by COVID-19 in XXXX of XXXX. Thus, on XX/XX/XXXX, I missed a payment of {$25.00} to Avant Credit. I also, missed paying the recurring amount plus interest from XXXX.
On XX/XX/XXXX, I started a payment plan to pay off {$110.00} by XX/XX/XXXX to bring my account into current status. By XX/XX/XXXX, I paid off this amount and my account was back in current status.
Because the late payments ( from XXXX, XXXX, XXXX, XXXX, and XXXX ) reconciled by the payment plan mentioned above, ending on XX/XX/XXXX, I started a request to Avant two weeks ago asking them if they could remove the late payments from XXXX from my profile, as I've had other credit card companies do ( bigger than Avant ) and it was done without hassle. On XX/XX/XXXX, they responded to my request saying that they would not remove the late payments that occurred during and because of COVID-19/XXXX.
XXXX was a horrible year for a lot of us, outside of these four months of late payments, I had no late payments starting back from XXXX. And since XXXX, I've had no late payments. I would greatly appreciate if these late payments were removed with the grace that lots of companies and this country has given its constituents because they care. Avant claims to care for its customers, but currently I'm not experiencing that.
|
| 04/02/2021 |
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
|
|
Web |
|
|
I noticed fraudulent charges from a VPN service that had been cancelled. I filed a dispute in XXXX or early XXXX and nothing has been done. I called them today to see what's going on with it and the customer service rep said she had to transfer me to another department because the card is late. I told her the card is late because they never addressed the fraudulent charges that I am not paying for and I only wanted her to transfer me to someone that I could discuss the fraudulent charges with. She advised me that this is the department that could help with this. I get on the line with the next guy and explain the situation and he tells me that he is attempting to collect a debt. So I cut him off and tell him that he attempted nothing. That I called him to discuss fraudulent charges. He tells me if I continue to use " profanity '' that he will have to hang up. I think I told him that treating me like a low life that doesn't pay his bills when I'm the one that called in to try to resolve this is XXXX and so to just knock it off and let 's figure out the fraudulent charge issue. I didn't curse him out. I didn't call him names. We're all adults here and we all know what XXXX is. He continued to try with his attempt to collect a debt XXXX and once again I pushed back, without " profanity, '' and I was then hung up on.
|
| 05/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
The company allows you to make a payment over the phone for your scheduled payment early. It then posts the payment to the date you made that scheduled payment on your account and never withdraws the funds timely. Then when the payment is drafted the original payment amount and date are removed and it is reprocessed under the scheduled date. For example, I made a payment on XX/XX/XXXX, it posted on Avant 's end in a few days with that date. However, it was never drafted from my account via XXXX. Then when my original date came around, the XXXX, it didn't show as pending until the XXXX and now the account shows that I never made the payment on the XXXX or the XXXX and isn't even showing on my online account. and I have accrued interest on all of that time between the XXXX and today. The customer service rep then told me that I needed to provide a bank statement to prove the funds were being deducted even though they show the payment on their end internally but not on my online portal. This company is basically gaming the system of interest and not posting XXXX payments made over the phone in a timely fashion, then removing them once posted, and forcing the customer to pay additional interest. This loan is advertised as having no prepayment penalty, but when I prepaid my monthly payment, this is what happened.
|
| 08/04/2021 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XXXX of 2020 I was furloughed due to the spike in covid-19 cases and the downward spiral of profit at work. In this stressful time I did everything in my power to prevent negative credit reporting. I reached to one of my creditors and advised of my situation and was told to callback in XXXX hours and they will have a program for those of us affected I did just that. The agent I spoke with confirmed during this time my credit would not be negatively affected and stopped automatic payments until my return to work. Once the deferment was over my payments continued per usual however once I began my payments my credit report was updated with a late payment. I reached out and was told I was correct this was an error and it would be sent up for disputing. Once it reached the customer resolutions team I was told everyone before them was incorrect and I was not in a covid related plan but something else and their reporting was accurate. Despite notes on my account and the proof that I have they have refused to resolve this matter. When millions of people around the world are loosing jobs, family, residences this company decided to be apart of the problem and not the solution. After many months of fighting I am unable to resolve this with Avant and I am asking for CFPB to step in and get the resolution I deserve.
|
| 06/24/2022 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I received notice from credit monitoring stating that someone applied for an Avant credit card with an address that wasn't consistent with my known address. I IMMEDIATELY called Avant on XX/XX/XXXX and reported that I did not apply or authorize a card in my name. They would not cancel the request or close the card and told me that they would forward my info. to the fraud department. I asked to speak to the fraud department and they said that I could only contact them by email. I called several more times as I hadn't gotten any information. Each time they said I had to wait for the fraud department. On XX/XX/XXXX, I finally received an email with the information I needed. I went to the police and filed a report and completed all the paperwork and sent back to Avant on XX/XX/XXXX. I have yet to get a response. I still show this card open with the annual fee due. I called several times and can only get a customer service representative who says they can not transfer me to fraud or to a manager. Last time I called on XX/XX/XXXX, they stated the issue was resolved and the account closed. I asked for this in writing, which they said I could only get if I contact the fraud department. I emailed the fraud department on XX/XX/XXXX requesting this information in writing and have not gotten a response still.
|
| 07/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
On XX/XX/22 I made a payment to Avant credit card company of just over {$35.00} to bring XXXX balance due to {$0.00}. Even before that payment I had {$260.00} to use to shop. On XX/XX/22 I tried to purchase ink for my computer to finish a project. The cost was just over {$71.00} at XXXX. The card was rejected 3 times. Knowing I had funds available I called Avant to find the problem. I was told by the rep that my account was deliquent which it was not the payment due on XX/XX/22 had an amount due of just unbder {$4.00} I paid in the afternoon of XX/XX/22 on time to bring the balance on the account to {$0.00}. I asked to speak to a supervisor after a XXXX minute wait I was told a supervisor would have to call me back. The call came on the morning of XX/XX/22 and the supervisor said there was a technical problem at there end affecting numerous customers. On XX/XX/22 in checking my email I was notified that my payment was recieved. I called Avant to double check to see if there technicsl problem was cleared as I really needed to purchase the ink. I was told there was never a technical problem they just don't allow people to use the card until a payment clears. I thought the agreement was if you had credit to use they couldn't block you from using it as long as your paid on time and were never late.
|
| 07/06/2022 |
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
|
|
Web |
|
|
I received an email from Avant Credit card company questioning if XXXX attempted charges to my card were legitimate, which they are not. They had a phone number to call. I was concerned it was a scam email so instead I have tried calling the phone number on the back of the card and the phone number provided on the website. I have called multiple times since receiving the email yesterday ( XX/XX/22 ) at XXXX central time. You are placed on hold and nobody picks up. I have called a dozen time and waited as long as an hour and a half with no answer. I tried reaching out to them through the support on the website and they just email me saying to call, and again nobody answers. I have even tried selecting the option for reporting a stolen card when calling and still no answer. There is no option on their website to freez, de-activate or report a stolen card. At this point I am concerned about more fraudulent charges being made and I am getting 0 help from the company. While looking at their XXXX XXXX I can see several people are in the same situation with fraudulent charges and getting 0 response or assistance from Avant. At this point I just want the fraudulent charges taken care of and to close my account, but their is no way for me to get in contact with the company to do so. Please help!
|
| 08/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
On XX/XX/2023 Avant LLC, formally Avant Credit lll LLC ( XXXX XXXXXXXX ), was provided a debt security as collateral for an extension of credit. Avant failed to uphold it's part and denied my extension of credit but kept my debt security and plans on transferring it to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX ). This will be securities fraud since they do not have my authorization to transfer my security without upholding there part of the contract. Avant LLC has failed to disclose the true nature of our transaction and refuses to respond. This is a violation of the First and Second Tier of the Federal Reserve Act Section 29 Civil Money Penalties. Avant LLC has breach their fiduciary duty as they will receive funds upon the securitization of my commercial paper debt security. This comes with a civil penalty of {$25000.00} per day starting XX/XX/2023. It has been 5 business days that Avant LLC has had me security which carries a civil penalty of {$5000.00} per day for a total of {$25000.00} owed so far. If non compliance continues into tire XXXX which carries a penalty of {>= $1,000,000} or 1 % of the total companies net worth. on XX/XX/2023 a formal complaint will be placed with FINRA and the SEC for the willful non compliance to the Securities Exchange Act.
|
| 09/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Avant has charged off an account opened around 2014, a loan amount of {$6800.00} plus interest accrued until charge off date, which is not known to me. The account may be reported to credit bureaus which is not confirmed as of yet, do not have copy of credit report available at this time. I've requested Avant remove account from credit reporting several times, if reported, past CFPB complaints filed in re, Avant remains evasive about matter as they have not addressed issue in their replies. Their last reply seems to suggest I make payments, payment information provided including number to call, in which case, no payment ( s ) will be made as the funds were never received from loan. I applied for loan, did not receive funds, as explained in prior CFPB complaints. Avant further replied by supposedly opening a fraud investigation, even after account charged off and considering the fact I did apply for loan.. Avant seems to imply fraud is involved, claims to have emailed me information about fraud claim, no such email received to date. Any fraud claim is irrelevant at this point in time, it appears the account is now too old to be reported to credit bureaus, if in fact reported, which is unclear at this time. Avant simply needs to remove account from credit reporting, if in fact reported.
|
| 03/23/2022 |
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
|
|
Web |
|
|
AVANT LLC/XXXX XXXXXXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
|
| 10/24/2022 |
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
|
|
Web |
Older American, Servicemember |
|
Thank you for forwarding the company response letter re : XXXX. I receive you copy on Wednesday. I called the number indicated on the letter and spoke with another phone rep, paid the balance in full, even though I have been reporting this as a fraudulent billing since XX/XX/XXXX. The letter stated because I didn't comply with their rules and speak to the second phone representative they never opened an investigation in the three ( 3 ) unauthorized billings. They noted in their letter I had called previously and spoke to one rep but did not stay on the phone to speak with the second fraud expert. I had waited approximately 20 minutes and no one answered the phone. Now I am being threatened with continuous late fee of {$39.00} and negative credit reports This Thursday when I paid the bill I was again put on hold for the other service rep, again no one answered the phone. The first representative was very nice and interrupted the elevator music on numerous times, apologized for the delay, said she was trying to contact the other representative, but after waiting 30 minutes I again hung up. My phone indicated I was on the phone call for 40 minutes. No body answers the phone to initiate a fraud investigation! On XX/XX/XXXX, I received an email, the payment was received by Avant.
|
| 05/06/2022 |
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
|
|
Web |
|
|
On XXXX I was notified by XXXX that a credit inquiry had been done on my account through XXXX by XXXX XXXX. Having not applied or any knowledge of new credit or AVANT I contacted Avant to obtain more information which they were not forthcoming with. After several calls I eventually made it through to a fraud area at Avant and filed and inquiry on XXXX indicating I had not applied or had knowledge of business with Avant. On XX/XX/XXXX I received an email from Avant indicating a credit card was approved and issued in my name while requesting completion of an affidavit. After completing their affidavit, police report, and IC3 report I submitted to them the requested information on the same day. On XX/XX/XXXX I received a similar email requesting similar information again which I again replied with the affidavit as they had asked. On XXXX XXXX notified my the credit card now had a balance and I again called Avant asking for them to stop the card. They do not seem interested in terminating the card in a timely manner given the seriousness of the issue. I am concerned they may be trying to collect fees or falsifying accounts similar to what XXXX XXXX did several years ago. Very frustrating and time consuming for a consumer who has worked hard to obtain excellent credit rating.
|
| 09/28/2022 |
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
|
|
Web |
Servicemember |
|
On XX/XX/2022 my Avant credit card was either lost or stolen. Someone used it to make various purchased up to the maximum limit of the credit card. On XX/XX/2022 I realized the charges had been made and noticed the card was no longer in my possession. I reported the card lost or stolen to the Avant credit card at XXXX. Several days later I received a letter informing me that there was a case number assigned ( XXXX ) and asking me to call the investigator name " XXXX '' at XXXX XXXX.
Calling XXXX XXXX reaches a voice mail asking to leave name, claim number, and call back number with a promise that the call will be returned in 24 hours. Similarly, calling XXXX and trying to go through an operator results in the same message and promise, except there is no name attached to it -- only " Fraud ''.
Each day for XXXX consecutive business days, I called and left messages, and there was never anyone who returned a call.
Eventually, I began to also call the original number where I had reported the card lost/stolen ( XXXX ). There I was informed that " XXXX '' had closed the investigation with the conclusion that the charges are valid.
Now, with my latest statement, Avant is insisting that I pay the $ XXXX in fraudulent charges under threat of penalty and credit reprisal.
|
| 10/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am a consumer and a natural person, i am not a third party and i am speaking for myself. After requesting debt validation XX/XX/2021 my request went unresponsive. Sent in a second notice XX/XX/XXXX, An Affidavit Of Truth and Facts stating that i am aware banks are borrowers ; issuing bonds and debentures 12 USC 143. My question remains what lawful money was placed in an account for me to have borrowed money? Avant used my negotiable instrument as an asset on its books and pledged it as collateral, which is sold on the security exchange. That is the reason the debt can not be validated because there is no debt owed. XXXX indicates clear and conspicuous disclosures need to be giving with reasonable understanding, which Avant failed to do. No Substance of Form giving, 12 CFR 1026 Regulation Z has been violated. According to 31 CFR 357.13 Federal Reserve Bank credits the amounts on redeemable book keeping securities to a funds account maintained at the institution. No loan was giving but payments were made on my behalf which are do to return back to me 15 USC 1692h Multiple Debts. Avant failed to respond to all communication attempted and an UNREBUTTED Affidavit stands as truth. XXXX out this account immediately as this is the final notice to my paper trail.
|
| 01/04/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I called the company to cancel my application, and they refused to cancel application. They advised me it was already approved. I advised if I can cancel sending the money, they declined. I advised if I send it back in full. They advised me that I will still owe the admin fee and any additional finance fee which includes ex. If I borrow XXXX then I have to pay them back XXXX + XXXX in finance charges totaling XXXX, so if I return it same day I will still owe them the additional XXXX. This is ridiculous since I was returning it as soon as they gave it to me. I shouldnt have to owe anything. Since they also refused to cancel it. I tried calling for resolution, they would hang up on me. I asked to speak with supervisor and they would hang up on me instead of transferring me. I asked to speak to the supervisors, manager and the CSR would hang up on me. I got no resolution or anything saying, if you would like to continue with the loan that you have been approved for and here are the fees. They didnt give me any options to reject it. I feel that this is illegal, especially since I have been trying to cancel this before it even got sent out. I would say no one should ever get any loans from Avant.com they are predatory and prey on the old and poor like me.
|
| 09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To Whomever Concerned Please Please understand that AVANT has misused my consumer credit report in multiple ways without any consent. Causing a deformation of my character, in which Im denied credit by multiple companies. AVANT claim an account using my personal information was opened online. In XX/XX/XXXX AVANT claimed the account went into negative causing them to add a derogatory mark on my credit report per in XXXX in which doesnt makes sense. In without my permission. Upon further research, on XX/XX/XXXX I asked the company AVANT in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the that AVANT has sold this debt to a collection agency by the name of XXXX XXXX XXXX XXXX XXXX. Again without any permissible purpose. Avant- continues to tell lies and refuses to remove the account they can not verify. XXXX XXXX XXXX XXXX IS CLAIMING THAT AVANT HAS SOLD THE DEBT TO THEM. IN WHICH IS ON MY CREDIT REPORT AT THE MOMENT AVANT IS IN Violation of MY RIGHTS AND BROKE MULTIPLE laws. THEY HAVE SOLD THE DEBT TO ONE COMPANY AS ANOTHER COMPANY CLAIMING THEY HAVE SOLD TO THEM. THIS ACCOUNT NEEDS TO BE PERMANENTLY MOVED.
|
| 02/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
I have XXXX credit protection due to breach at XXXX records and my personal information was stolen. I was sent an alert that a delinquent account was held in my name at Avant in XXXX. I contacted them a told them I had never opened an account with them and that it is a case of identity theft. I was told I needed to send them a copy of a police report and a sworn affidavit. I did this and it was received by Avant on XX/XX/XXXX ( usps tracking number XXXX. I emailed them and informed them I sent the information and received no response so on XX/XX/XXXX I sent another email with a picture of usps tracking info and told them I would file a financial complaint against them if I did not heard within a week that their complaint against me was not resolved.. The next day I received another email thanking me for sending the information and that they were going to send letter to XXXX to closed their complaint against me and it should take a few weeks. On XX/XX/XXXX I received another alert from XXXX of credit collection against me by XXXX XXXX XXXX XXXX on behalf of Avant web bank. I contacted XXXX and together we called AVant and we were hung on, we called back and asked for a supervisor and he refused to talk with us and he never tried to return call.
|
| 07/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I applied for a personal loan with AVANT for {$23000.00} and received the loan within the week. This loan was paid off on XX/XX/XXXX.
On XX/XX/XXXX I again applied for a loan with AVANT but was denied and not given a reason for the denial. Was told that an email was sent, but I never received it and AVANT refused to resend it. Being that I did not understand the reason for the denial and was not given any follow-up info, I requested that an investigation be conducted because AVANT requested a document from me and before I was able to send it ... THEY DENIED THE LOAN. Was told to reapply in 30 days because there was nothing that they could do in the support office because the processing center had all of the info and they did not speak to customers. Nothing ever happened, upon continuous calls to AVANT, they pretended to have no info of me requesting and investigation and had no further info.
On XX/XX/XXXX I again applied for a loan with AVANT and was again denied and told that there was no info as to why my loan was denied but I could reapply in 30 days. When I asked for info on the previous loan being denied or info on the investigation and was placed on hold for 20 minutes and no one ever returned to the call with info.
|
| 11/21/2022 |
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
|
|
Web |
|
|
On or around XX/XX/XXXX there was a fraudulent transaction to my Avant credit card ending in XXXX at a XXXX XXXX in the amount of XXXX and some change I've emailed about XXXX times I've called about XXXX times and the fraud department keeps stating that they don't see any fraudulent transaction on my account when I speak to regular customer service they see the fraudulent transaction I've since been paying on this transaction since the transaction happened I wasn't formed that I have to keep paying for this fraudulent transaction or it's going to impact my credit I've tried countless times to reach out to them left my phone number simply explaining what happened even letting them know all it takes is a 5-minute phone call to straighten this out no one seems to call me back and the only email that they keep replying back to is saying the same thing we don't see any fraudulent transactions on your account but I'm still paying for a transaction that's on my account doesn't make any sense XXXX is the person that's giving me a living nightmare she's supposed to be my investigator that's handling my claim I've even left her voicemails she never calls back never since the fraudulent transaction happened their customer service phone number is XXXX
|
| 09/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
Beginning in XXXX, I reported a fraudulent charge on my account. It took 2 weeks just to get ahold of someone at Avant during that time because of widespread fraud. Finally, when I got ahold of someone with their company, they said they will need to investigate the problem first before they send a replacement. Fast forward, it's then about XX/XX/XXXX I call again and asked to speak to someone about looking into the fraud so they can send a new card. I call again at a later date, they said they had sent a card already and confirmed my forwarding address correctly and that I should have gotten a new card by now... They send another card by XX/XX/XXXX, no tracking information. They say it should take 10-15 business days. It is now XX/XX/04 I still do not have a replacement card. They refused to overnight it to me, fraud department already claimed they have an old address but customer service confirmed they have my forwarding address. She offers to send another card which will take another 10-15 days. I said if I can not get tracking information do not send another card and decided to ultimately close the account for how unreliable and absurd their company is following widespread fraud after 2 months of still not having a replacement card.
|
| 04/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On XX/XX/2023 i applied for a credit card. With a soft credit check i was approved. Once i was approved i authorized a hard check. I have an alert for fraud due to past activity on my name. AVANT Credit card companny then cane back and said due to the alert on my file they were unable to verify my identity and i was denied due to my email address. They never tried contacting me for more information. They never attempted to rectify this in any way and there was no reason for the denial other then a fraud alert. Denial of a credit account based on an alert placed by me to prevent fraud is a violation of the fair credit act. I advised them of this... i also advised if they cant veeify my identity, then who is to say XXXX XXXX initiated the Hard or Soft Credit check at all. Who is to say XXXX XXXX even applied for the card. The credit card waa denied since they said they couldnt verify my identity. They say they wont remove the hard credit check because they know " XXXX XXXX '' is the one who initiated the credit card request. However their denial states i was denied since they could not verify that " XXXX XXXX '' applied. Your denial must match the reason for the hard credit check. You cant have an approval and denial for the same thing.
|
| 10/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I recently bought a home and needed to pay off some of my unsecured debt. I called Avant prior to paying off loan on XX/XX/XXXX where they gave me a quote and a pay off date of XX/XX/XXXX. On XX/XX/XXXX I mailed 2 checks one in the amount of {$4000.00} and {$120.00} to pay off my entire loan balance. They were mailed together in the same envelope to Avant via XXXX express where both check numbers were documented when sent. The checks were received XXXX. Upon receipt, only 1 check in the amount of {$120.00} was posted. I dont see how they can only receive one check when they were sent together in the same envelope? I have called numerous times to inquire of the status of my pay off of {$4000.00}. No one seems to know and I can only speak to foreign agents. They have no direct line to their receiving department in XXXX where the checks were sent. I was provided with an email for their receiving department and still have no word. If my amount is not paid in full by XXXX ( which has passed now ) I will face extra fees, penalties and possibly a negative mark on my credit score. I feel this is extremely bad business on their end as I paid my dues timely. If dont receive an update within the week I plan to put a stop payment on the check.
|
| 05/13/2022 |
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
|
|
Web |
|
|
On XX/XX/2022 I was alerted by XXXX XXXX that a hard inquiry was made using my credit profile. The inquiry was made by XXXX / Avant LLC located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. I called Avant LLC at ( XXXX ) XXXX and gave them my name and social and they told me that someone had applied for a credit card and was approved.
I asked them for the address and all information associated with the account. They refused to provide any information to me.
I requested that they immediately cancel the credit card and send me written confirmation via email that the account was in fact canceled. They refused.
I informed them that thy were knowingly participating in a fraudulent act. They told me there was nothing they could do.
I asked to speak to someone in their Fraud department. They told me that someone would contact me. No one has contacted me. At this point it would appear that someone has stolen my identity and that Avant LLC is complicit in this act. There should be serious consequences for a company to participate in fraud.
They refuse to provide any information regarding this fraudulent activity. Per XXXX, a supervisor in Credit Cards, who refuses to provide any further any identifying information.
Thank you.
|
| 07/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
On XX/XX/XXXX, Avant sent me an email titled " Account Closure Pending '' which stipulated I must use the card within 60 days or the account would close.
On XX/XX/XXXX, remembering this email, I paid a XXXX bill at XXXX XXXX XXXX totalling {$160.00}.
On XX/XX/XXXX, I paid the credit card off.
Today, XX/XX/XXXX, Avant closed my account, despite the activity in XXXX that they lead me to believe would keep my account open.
This comes at a terrible time for me. I have been working to restore my credit since my husband and I were forced to file bankruptcy in XXXX. I run a business now, and I am waiting on a new van to arrive, which I will need to finance. Closing an account is going to result in a lower score which could result in a lower interest rate at at the time of finance. Compounding this, I just paid off the previous van early by selling it, which is already going to negatively impact my score when reported.
While the account closure at XXXX is not material to the issue with Avant, Avant has made the purchase of this van at this critical time that much harder and is likely to result in a higher interest rate. It would be different if I had ignored their email, but I did exactly what the company told me I must do.
|
| 06/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
On XX/XX/2021 & XX/XX/2021 inquires for a loan was pulled on my credit fraudulently with AVANT XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone XXXX.
On XX/XX/2021, AVANT XXXX was phoned and notified via email that I did not submit this application and it was identity theft.
On XX/XX/2021, I placed a credit fraud alert and freeze was put on my account with credit bureau, XXXX. XXXX notified XXXX and XXXX with the help of XXXX XXXX Customer Service Center ( they were excellent ).
On XX/XX/2021 an XXXX report was filled out and on XX/XX/2021 it was emailed to AVANT 's identity theft fraud department.
A response on XX/XX/2021 was given that AVANT 's Bank funded the account and they needed their own " Identity Theft Victim 's Complaint and Affidavit '' submitted. AVANT was well aware that this account was opened with stolen identity and funded it anyways.
On XX/XX/2021 the required form was submitted and a police report was filed with local police agency. AVANT still has not responded.
Several inquires of fraudulent accounts attempted to be opened with several banks and agencies that did not fund the accounts as the phone number and email address did not seem legitimate ; AVANT Bank did anyways.
|
| 03/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Avant credit card opened in XX/XX/2019. Never once had a Late payment! as I went to pay my monthly bill, I noticed TWO unauthorized charges from a XXXX seller account! I do NOT have any XXXX seller accounts with XXXX and do NOT use this card to buy XXXX purchases. I have in the past, but it was MONTHS ago! I do NOT have this card on my XXXX account. My XXXX was hacked into by a scammer, and now I have had to replace 2 credit cards my XXXX and this Avant card due to these unauthorized charges from this XXXX seller stuff. I reported to Avant 3 days ago that these were NOT my charges and I have been a victim of identity theft. Even a scammer pretending to be my bank calling and texting me wanting my user ID for my bank account! I explained this to Avant and they proceeded to close the card and reissue a new card, but the balance still remains over the limit because of this FRAUD! theres TWO XXXX seller {$39.00} and a {$59.00} that need to be removed asap! And this has dramatically DROPPED my XXXX score! Because Avant wants to report a fraudulent balance! How rude of them to do this to a long time customer, especially a customer that has made 100 % payments! I do not recommend this company after what they have done to me.
|
| 12/14/2023 |
Yes |
- Credit 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
|
|
Web |
Servicemember |
|
I had this account and I paid it off, I had a unauthorized charge on my account when I noticed I called Avant credit card immediately per the representative she transferred me to the fraud department they cancelled the card and sent me another one, a week later the funds were place back into my account and a representative called and asked if I still had the original card in my possession which I did he then went on ask me if I had let anyone use my card to informed no, he then asked me if my belongings in place out my view I told him yes in my locker at work and that was the end of the call. After the call I received a bill for {$550.00} for the charges placed on the account I called back and asked why because I didn't have a police report and I left my purse in a community are I went and filed a report and provided them with the police report, and the following business day they told me a representative would call back. Apon that call they said I was responsible for the charge ( s ) and they closed the account and began charging me late fees which now is reporting {$930.00} as a charge off. I've have called to settle this debt and every time they say they say they will send me an itemized bill and I've yet to see.
|
| 11/15/2022 |
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
|
|
Web |
|
|
I was approved for a credit card on or about XXXX for a credit card with a XXXX $ limit. I submitted my consumer credit application signed all necessary documents given and signed and submitted my promissory note for acceptance. Avant accepted my application and note issued a line of credit and also ran my credit for a hard inquiry. Within a week i get an email promoting me to give a call to a representative for no exclaimed reason. A few days later i get another email that headers notice of adverse action. in this letter it explains if i wanted an explanation as to why the account was adversely affected i would have to call in for an explanation. On XXXX I called into customer service for an explanation the representative explained she couldn't tell me why the card was blocked and that i would still have a hard inquiry on my credit report. This lowers my appeal to new lenders and affects my ability to get new credit. I was never given reason as to why my credit line was blocked/ or adversely affected. That is a violation under 1681b ( 3 ) ( f ) ( i ) permissible purpose for procuring a credit report with no equity. this transaction wasn't equitable to me the consumer. 12cfr 1002.4 i was also discriminated against.
|
| 06/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
My first problem with Avant is my due date for my bill was assigned to me. I asked the company to change my billing due date stating that this was an inconvenience. The company would not change my billing due date stating it doesn't matter that they don't charge late fees. Upon going to pay my bill on the XXXX of XXXX I noticed a {$25.00} late fee. I emailed asking for this lady to be removed because I was told that there are no late fees If I pay within the first 5 days. Also I asked for a credit line increase. I was told that my credit line increase was denied because my credit was Frozen. At the time I applied my credit file was not frozen. I made sure it was not frozen and I was told to go back and reapply again when I applied it said that it was too close to the previous time I applied. Why would they tell me to reapply knowing that it would be denied a second time because it was too close. This is a violation of the fair lending act. I should not have a late fee because I asked for my due date to be changed and I paid within the 5-day limit. I also as for credit line increase. And I get every excuse in the book after apparently a staff member gave me the wrong information. Fix it or we can go to arbitration!
|
| 07/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
I was approved with Avant for a credit card in XXXX and was waiting on it's arrival XXXX business days after approval. It should of arrived no later than XX/XX/XXXX ..... It never came. I spoke with a rep on XX/XX/XXXX, who trusted a card which was sent out on XX/XX/XXXX... Wait another XXXX business days. I spoke with a rep on XX/XX/XXXX because AGAIN, I haven't received the reissued card. He then stated that if it's not in my possession on Friday, XX/XX/XXXX, then I need to call back. Today is XX/XX/XXXX and I STILL HAVEN'T RECEIVED my card. I called, was on hold for almost 15min, and a lady answered. She stated that since I didn't get it, still, she'll reissue a 3RD CARD. I asked her why do they not know where these cards are going because I'm potentially looking at 45 days without my card after giving my personal information to this company who ALLEGEDLY sent two cards already. The lady was VERY RUDE AND DISRESPECTFUL, SASSY, AND DEFENSIVE regarding me asking where's my card, why this is happening, am I the only one, and why not rush deliver the card since they have so many to give out ( listen to the call. I Called Avant @ XXXX. Total time : XXXX XXXX )? She showed ZERO care and lacked customer service.
|
| 08/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
My final payment that showed on Avant dashboard when logging in showed automatically withdrawn on XX/XX/2022 in the amount of {$440.00} as per every month was automatically withdrawn. It showed no additional interest or any other amounts incurred. So I reached out after I noticed on my consumers report showing a balance which I kept disputing with the credit agencies. Later I contacted Avant concerning the charges and they stated that it was interest when I made changes throughout the loan, which is untrue when I made changes they applied the interest and other charges incurred per month when they authorized the changes. I spoke with XXXX and also spoke with another representative XXXX, which I got no information on how or why this unscrupulous amount came to exist. I agreed to pay whatever interests that was showing on the date of XX/XX/2022, in which none was provided. Nothing was resolved and now the amount has increased. the interested and fees incurred while paying the loan was showing throughout, but now they're claiming that it shows after all my ACH transaction have been deducted from my account. If there was still a balance why didn't they keep deducting from my account is was on auto withdrawal?
|
| 10/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
On XXXX XXXX, XXXX, I contacted Avant LLC to transfer my balance in the amount of {$320.00} to a lower interest rate credit card. I was told by the Customer Service Rep that it wouldn't be a problem long as my account was in good standing ( which it is ) and the interest rate would need to be lower than the rate offered by Avant ( which it is ). After being placed on hold for 3 minutes, the rep informed me that I could not transfer my balance. I asked why not? Her response was it was Avants policy that they do NOT allow balance transfers. However, they will accept balance transfers from other credit card companies. I informed the rep that what she was telling me was NOT included in the " Terms of Agreement '' when I opened the account. She said that it is their company policy, and it isn't disclosed in the Terms of Agreement. I asked to speak to a supervisor. I was on hold for 20 minutes waiting to speak with a supervisor. The supervisor informed me that they do NOT honor balance transfers. I asked if the information she was providing could be mailed, emailed or faxed to me and she stated that it couldn't. I asked why not, she said the information was a company policy and could not be shared with anyone.
|
| 10/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Avant considers non-receipt of loan in amount of {$6800.00} as fraud when loan was applied for by myself, appears loan amount deposited into incorrect account number. Avant replied to prior CFPB complaint in part by issuing a fraud packet, when in fact the issue appears to be technical in nature, not fraud. Further, they refer to calls made to Avant regarding high interest rate, credit score not taken into consideration at time of application.. Calls were made prior to request lower rate, Avant refused, their rep by the name of XXXX XXXX unable to resolve matter. Further, funds were deposited into incorrect account, partial payment ( s ) made and ceased due to unresolved issue with interest rate and non-receipt of funds. Avant attempted to collect on debt by reporting amount to credit bureaus including interest, account later charged off after unsuccessful attempts. Avant simply needs to remove account from credit reporting, in which case, Avant remains evasive about matter, provides number to make payment in which case, no payments will be made. Failing to remove account from credit reporting, account will be removed from credit file after seven years, all negative/derogatory information removed.
|
| 10/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Re : Avant Credit Card XX/XX/XXXX XXXX payment due. Balance existed based on the upfront annual fee.
Since that time up until the month of XX/XX/2023, Avants systems in multiple areas were non functioning.
Simply put, it was impossible to make an electronic payment. Every payment made up to XX/XX/XXXX had to be facilitated by a Customer Service Representative via a phone call.
Late fees have been assessed due to Avants system failure.
Late fee waiver requests and have been submitted and denied w/o explanation. Representatives have spoken conclusive and egregious untruths.
I simply asked ( and have been asking ) for the late fees to be waived and their payment processing system addressed for functionality. There has been no resolution or seeming regard at all to provide a semblance of what be considered a reasonable solution.
My communications between emails and phone calls are in double digits. The calls are supposedly recorded. My communications have all occurred with the last 5 months. The Avant Supervisor I escalated to provided no solution not the multiple Avant representatives prior.
Would you please assist? Anything you could do would b greatly appreciated.
Warm Regards, XXXX.
|
| 12/01/2022 |
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
|
|
Web |
|
|
I have been having an issue with Avant Financial which is the credit card issuer. Since around the end of XXXX I have not been able to login or access my online account either on Avant 's website or their mobile App. I have tried contacting them over 8 times with my initial contact on XX/XX/22 at XXXX XXXX mountain time and have never received a response. I have reached out on their XXXX, XXXX and XXXX and have gotten no response either.
Every time I call or get a call from their agents they are unable to access my account and constantly tell me " Our system is undergoing maintenance '' and that is the same message I get when I attempt to login to my account. I have tried resetting my password and still get the exact same issue.
When I have called and set up a call back time with a supervisor I get no response, besides " we have escalated this call '' and " there is no supervisor available '' every single time.
I am not getting any statements and occasionally I am getting emails with different people 's names instead of mine.
I have been charged late fees and interest, non-payment records have been reported to my credit report and I still get zero support when I contact this company.
|
| 05/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
My Avant card states that if you can avoid paying interest on your card by paying it off in full by the payment due date. On XX/XX/2021, I paid my statement balance in full and payments are due on the XXXX of the month. When I received my next statement there was interest charge for {$4.00}. I immediately contacted Avant and was told that the interest could not be removed so I ask to speak with a Supervisor. I spoke with XXXX/Supervisor and explained that I am a good customer, I pay more than the minimum due and this time I paid the balance in full before the due date but was still charged an interest fee. XXXX stated that I needed to pay my balance in full 2 months in a row before they would waive any interest fees. I told XXXX that did not make any sense, if I paid my balance two months in a row there would be no interest to waive. And their statement says that if I pay it in full during the grace period which I did, there would be no interest charged. XXXX refused to waive the late fees and I informed that I would be filing a consumer complaint, they are taking advantage of customer with false information. There has not been any purchases on my account for months, just interest charges.
|
| 11/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I was hospitalized on XX/XX/23 with a serious illness from which I was not expected to survive. On XX/XX/23, Avant, the credit card company, issued me a late fee for failing to make a payment for my credit card bill due on XX/XX/23.
I was hospitalized for 33 days. When I was sent home, I contacted Avant, explained what happened, requested a waiver of the {$25.00} late fee, and offered to provide proof of my illness/hospitalization. Over the phone, I was told that my request was denied. However, I was offered an email address to " appeal '' this decision. I wrote to the email address and explained in detail what had happened. I received a written email response noting that there is a credit card agreement authorizing the company to impose a late fee-a credit card agreement I agreed to when I enrolled in the account. I replied that I understood there was a credit card agreement and that Avant had the " right '' to impose a late fee, but it was an emergency and I was not physically able to make the payment when due because I was in the hospital in the XXXX XXXX XXXX They did not reply to my message, and I was stuck with the late fee which seems very unfair and unreasonable.
|
| 06/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
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Web |
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On XX/XX/2022 I had multiple autopay bills for credit cards due. The majority went through as usual with no error, but a bug with Avants banking system double billed me for two of these charges.
The incorrect charges are as follows : XXXX XXXX - XXXX - double billed XXXX XXXX - XXXX - double billed I contacted Avant on the morning of XX/XX/XXXX by phone. The agent put the blame on XXXX XXXX and XXXX. If that is the case why has the issue never occurred before, and I have used the Avant banking product since it was named XXXX XXXX close to launch.
I contacted both XXXX and XXXX XXXX and they confirmed there is only one payment registered on their systems. I called back the Avant banking phone support line and they kept putting blame on the credit card issuers. I was emailed a dispute form and told that my funds wouldnt be returned for up to 45 days. This is unacceptable.
In addition to these issues, Avant has not sent me a functional debit card after multiple attempts over a year or more to get one sent to my address. This company has no business running a banking product when their systems do not function correctly and they have next to nonexistent customer support.
|
| 11/22/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
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XX/XX/XXXX received email stating that I must pay XXXX installments of {$20.00} by XXXX of 2024. I paid {$100.00} and it posted on XX/XX/XXXX. At this time the card was already closed. The payment plan email stated the card would be blocked, reported as a modified payment no interest. After posting the {$100.00} payment and then today paying the balance off in full, well before the XXXX payments of {$20.00} due by XX/XX/2024 were due, the company closed my credit card.
The rep on the phone told me she apologized no one told me it would be closed and didn't care that the very detailed email very clearly stated it would not be closed only blocked from making purchases until I made those XXXX {$20.00} payments by XX/XX/XXXX. XXXX in mind I fulfilled this far in advance and they closed it apparently the same day I went on the payment plan. She just apologized nobody told me this and did not care that the payment plan email was fraudulent and failed to note that anywhere. I demanded that she Rectify this on my credit report and was refused with the excuse that she apologized no one told me this and did not care that the payment plan email did not have this information in it.
|
| 06/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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I fell behind on my payments with Avant credit card and contacted them to see if they had any available programs to get caught back up. I was advised of this re-aged program and was told that I would have setup a payment arrangement in order to get back on track. I had concerns regarding the late fees assessed and was led to believe that I wouldnt incur late fees as long as payment is made. I received my bill and noticed that I received a late fee. I called to speak with a supervisor and was told that one would call me back, however, one never did. I called again and was told that I would be subject to fees because I am not making the minimum payment due. How can that be if myself and the company agreed upon a payment arrangement. I feel like I was misled by the company and they are not honoring the agreement. What sense does it makes to be in a program for which the goal is to bring the account current and get caught up on payments. It seems like the goal is to keep someone owing because the account will never get current because the payments I will be making is essentially isnt going to make a dent in the balance because of late fees they are going to charge me.
|
| 06/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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On XXXX XXXX XXXX pulled my credit report ( XXXX ) XXXX received an alert from XXXX XXXX who alerted this inquiry. I place a Fraud Alert on my credit report back in XX/XX/XXXX. I never applied for credit with that bank ( never heard of them ). I filed a police report too on XX/XX/XXXX. I contacted Avant customer service and explained the fraud and not to issue credit because I never applied. I also asked them to expunge the inquiry and I emailed their fraud dept too. They said they would contact their fraud dept and some one would be in touch within 10 days. No one contacted me so I called back and they said they emailed me the required paper work but I never received it. They said they would send it again but again I never received it. They would not give me a telephone number to their fraud dept and they had no supervisor that I could talk to. I then contacted XXXX to get involved and sent them a copy of my police report and letter explaining what happed and what I wanted. As of today, the inquiry is still on my report and i have received no information from Avant on if an account was opened and why they didnt contact me with the fraud alert on my credit report.
|
| 03/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
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|
The credit card agreement and explanation from company is contradicting. When I questioned how they arrived at the fees and interest, the company gave me this explanation : Per the terms of your cardmember agreement, if the total minimum payment due is not paid by the payment due date ( which is the XXXX of each month ) a late fee may be assessed of {$28.00}. If a late fee has been assessed within the last six billing cycles, a late fee of {$39.00} may be assessed.
As required under regulations, the dollar amount associated with a late payment can not be assessed which exceeds the amount required in the minimum periodic payment. As such, the late fee assessed for XX/XX/2022, XX/XX/2022, and XX/XX/2022, were {$28.00}, {$27.00}, and {$37.00} respectively. Please note that your cardmember agreement is available at any time at.
My response wasThank you for your response. Your explanation of the late fee accessed does not justify the amount of {$27.00} and {$37.00}. Neither amounts are {$28.00} and {$39.00}. It appears that avant arbitrarily picked those numbers.
I tried for several months to resolve this issue with company and it is misleading to a consumer.
|
| 07/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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|
I have tried to tell Avant about display issues on their website that affect my ability to make payments. I first noticed this discrepancy because my expense tracking/budgeting software never aligned with my account balance.
While my circumstances aren't relevant, I aim to pay my cards to zero before the statement closes to avoid reporting a balance on my credit report. Because of incorrect information shown on Avant 's site, I often end up closing with an unwanted balance.
The Avant website has two reporting issues : ( 1 ) the " current balance '' is sometimes incorrect, and ( 2 ) recent payments are duplicated in the transaction history I've attempted to report these bugs by e-mailing screenshots to Avant, but I am directed to call if I have " questions about my account. '' In my attached screenshot, my account shows a {$0.00} balance, with a {$28.00} charge and {$28.00} payment pending. You'll notice that my recent {$110.00} and {$81.00} payments show twice in the transaction history, both as pending and posted transactions.
On top of that, manually adding each transaction to the starting balance results in a {$23.00} balance, rather than {$0.00}.
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| 07/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
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|
In an attempt to get a {$5200.00} loan, I was told 24 hours for a decision. After 72 hours I tried to cancel the loan. When I asked to speak with a supervisor, none were available. I sent an email to cancel my loan request, and asked for a prompt response, since they are open 7 days a week. Again, I waited. Then today, after 96 hours, I tried to call to verify my email had been received. 3 times, the call instantly hung up. The one time I got through to XXXX at XXXX XXXX, I told her my issue, and she hung up.
I cant allow myself, or another person, in good conscience to be accountable to a company who acts in this fashion. What if this was me trying to make a payment at the last moment before extra interest is accrued?
I, thankfully, havent gotten a loan approval still, and will cancel immediately, if I do. This has been a nightmare process, since I dont like giving my financial information to anyone. I have already changed all my passwords, and denied them access to my accounts.
Please refer me to any other steps I should take, since the agents are obviously not American, and I am stressed about who they may sell my information to.
Thank you, XXXX
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| 05/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I had a credit card with Avant ( last four numbers of the card were XXXX ).
I always made monthly payments, electronically, through XXXX XXXX XXXX.
For some mysterious reasons, even when I scheduled payments BEFORE the due date, Avant always marked them as late payments, and charged me a fee.
I contacted Avant numerous times. They had no explanation.
They would then take 2-3 weeks to credit the account.
I contacted them several times about this. They had no explanation as to why this was.
I got frustrated, and closed the account after 90 days. They still charged me an annual fee.
On Saturday XX/XX/2022 at XXXX XXXX I spoke with an Avant rep named XXXX XXXX about refunding the annual fee - since I'd only had the card such a short time, and since their customer service was so poor ( and perhaps dishonest ).
She said that it was impossible to refund the annual fee or the amount of the annual fee. She was trying to tell me, a bank can't refund a fee. She offered NO explanation as to why Avant could not do that. T The simple fact is, she was lying to me. Avant engages in dishonest practices, overcharges customers for fees, then lies about it.
|
| 07/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
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I was approved for a loan with Avant in XXXX. This loan was settled as of XX/XX/XXXX. On XX/XX/XXXX I received a credit monitoring alert that I had a late payment. I emailed their support team via a support email provided on their website with no response. On XX/XX/XXXX, I received an alert that I had a balance of {$7000.00}. I checked online with my Avant account and it showed a {$0.00} balance and that the loan was settled. I called and was hung up on three times before finally getting through to someone who transferred me to a " payment specialist ''. XXXX verified that I did have a {$0.00} balance and told me to email their resolutions department and attach any details. I sent my XXXX credit report and screen shots of my account showing {$0.00}. I can not get through nor get a reply. They violate the FCRA by 1. ) reporting 4 years after the account is settled, 2. ) reporting the account as " charged off '' rather than " settled '', and 3. ) reporting that a balance is owed when my account clearly shows a {$0.00} balance. I have disputed this to all three credit bureaus, filed a complaint with the XXXX and am now publishing a complaint here.
|
| 02/21/2023 |
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
|
|
Web |
|
|
I have an Avant Credit card and I have auto payment for {$67.00} per month. In XX/XX/XXXX I paid and extra amount of {$47.00} on XXXX XXXX and my bill was not due yet and did not have a payment schedule of {$220.00} at that time. On XXXX XXXX, XXXX they took {$220.00} out of my check account that I did not authorize them to do because my monthly payment is {$67.00} per month. I did not get a text, email, statement in mail stating they will take {$220.00} out of my account which left me in - {$420.00} in my checking account. I did call them on XX/XX/XXXX and I was on hold for 4 hours. I called back on XXXX/XXXX/XXXX and the recording said they were having technically difficulties in their system. I called back XXXX/XXXX/XXXX and spoke to some one and I ask them if I have you an extra {$47.00} I would not have a balance schedule payment of {$220.00}!! they should of subtract that amount from the {$220.00} and it would of been a lesser amount and they did not have my permission to take out {$220.00} of my check account. my next schedule payment is dated XX/XX/XXXX of {$67.00} so where did they get {$220.00} from. Please look into this matter.
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I reached out to the company to advise that my bank account had been compromised and this was my third attempt to inform them that I had faced a financial hardship due to what happened ( my money was stolen from my bank account ). At that time, I asked to accept the offer of getting placed on a payment plan along with the courtesy of updating my account status from delinquent to current. The agent explained that once the payment that she needed to collect was posted, my account would change from delinquent to current on all three credit bureaus. During the call, I made a successful payment as well as scheduled a payment plan as she suggested, with automatic payments set to withdraw on specific dates. She advised that my account would be reflected as current and backdated for any previous months that were reflected as delinquent, and update to current. I have been checking my credit report every day since this payment occurred and it shows that I am still being reported as delinquent over 120+ days. I would like for this to be updated as stated or file a grievance or litigation for misrepresentation and incorrect reporting.
|
| 10/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
On XX/XX/XXXX Avant credit took {$1100.00} out of my bank account without my permission for a monthly installment fee that was set up in the amount of {$380.00} to be taken out the first of each month. When I called them about the extra {$800.00} they took out they assured me that they would refund me the money but, it would take weeks for me to receive the refund. 10 days later on XX/XX/XXXX I called to see where we were in the refund process as I had incurred financial difficulties as a result of them taking {$1200.00} out of my account. At that time they told me they had not processed any refund. I was assured at that time that they would be processing my refund for {$800.00}. Today I received an email that they were only going to send me a refund of {$400.00}. When I called them about this they told me they were going to take an extra payment out next month as well. My account has not been late XXXX day nor do I even have a payment due yet and they informed me they were going to take another {$400.00} out on the XXXX and not be refunding me the money they took out last month that was over and beyond my scheduled monthly payment.
|
| 03/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I submitted payment on-time, but payment fell on a United States Federal Holiday and weekend ( Saturday ). Avants system twice cancelled my additional scheduled payments after this original date of XX/XX/2022 twice XX/XX/XXXX and XXXX, 2022. Upon contacting Avant customer card and speaking with a gentleman, I was told a waiver of the late fee of {$27.00} would be applied. This late fee was not applied. I called again and was told this lie again as well as by email and no reversals of fees or late fares whatsoever. When I sighted them the protections I have under the Credit Card act they shrug it off an say that doesnt apply to me or that XXXX runs their Avant credit card and they Avant have no control over lates fees or other fees. I even have requested accommodations due to Covid-19 for deferment of my minimum payments and Avant denies this accommodations as well. Sad, because my other credit card companies owned and run by some of the United States biggest banks are willing to help me with their cards. Why does Avant get allowance from the federal government to abuse me and others I have read about in complains in the web?!!!
|
| 12/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX i processed a payment using my debit card ending XXXX, XXXX XXXX the following day on XX/XX/14 i received a noticed that they were have problems with with the for of payment on file, so I called and advised the card number on file was not my account number I sent to them bank statement showing them the only two bank accounts numbers have use which are XXXX # XXXX also XXXX # ending in XXXX, I inquire what number did they have on file, they gave me a number ending in XXXX was not a valid account with XXXX I was then asked to up grade the wrong information with my back account and routing Number, I have never made any payment to Avant using bank account and routing number however I did not want to update any information on there site because of the number XXXX if i had complied i would being confirm the wrong information was still on file, I followed up with my two bank statement one of XXXX and XXXX XXXX XXXX XXXX XXXX i have not made payments since this occured and i am incurring late fees that they will not remove even after i sent the proof that the account ending in XXXX was never my account thank you XXXX
|
| 08/08/2023 |
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
|
|
Web |
|
|
In XX/XX/XXXX I was contacted by phone & email from several credit companies inquiring if I had applied for credit with them and I had not been applying for credit. I knew that somehow someone was using my information to try and get credit in my name. In XX/XX/XXXX I received an email from Avant stating that my statement was available to view. I immediately called Avant to let them know I did not open an account with them and that I had other companies reach out to me letting me know that credit was trying to be opened in my name. Avant sent me a 10 page report to fill out. The report stated I had to file a police report to acknowledge fraudulant activity in my name, so I did that on XXXX and submitted the information to them by fax on XXXX. I continued to receive emails that my statement was available to view so after a couple months I contacted them again and was asked to send the 10 page report again. This time I faxed it, emailed it, and also mailed the report and never received a response from them. I filed a complaint with the credit bureau companies in XXXX and they responded they couldn't help me get it removed.
|
| 12/14/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
I went online to see when a payment was due for my credit card that I hadnt used since XX/XX/2XXXX because I wanted to pay it off. I noticed several charges starting from XX/XX/. All of the charges were from XXXX XXXX and XXXX. Many were charged on the same day in the same stores but different locations. All of the charges totaled over {$600.00}. I reported the charges and a so called investigation was done and determined that the charges were mine. I appealed the decision and was emailed the same day within hours of my request that the decision was being upheld. I received no explanation of how this investigation was done or how the decision was made despite asking. Typically credit card companies recognize unusual spending habits and you are alerted. My car was dormant for seven months except for payments and suddenly its active and being used erratically at convenience stores. That in itself is a red flag. I have a personal loan with this same credit card company Avant. Payments are made every month on time. I am not getting any help from them. Once this is resolved, Im paying this card off and closing my account.
|
| 09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is a WEBBANK/AVANT credit card account appearing in my XXXX credit report that is not mine and I have no knowledge of it. This account was able to make a hard inquiry ( date of inquiry XXXX ) while my credit report was frozen, I called XXXX ( XXXX ) and they moved me between various levels of supervisors and no one could explain why this company was able to make a hard inquiry and open a new account for the first time when my credit report was on active freeze. With this inquiry the bank company ( AVANT ) managed to create an account that appears on my record. I called AVANT and there is no one with my information on their records ( NAME, SSN, DATE OF BIRTH ). There is a XXXX dispute in place ( I can provide case number if needed ) but XXXX has not resolved the problem and removed this account that is not mine.
This account only appears in my XXXX report and its affecting my ability to make financial decisions severely. The other credit Bureaus XXXX and XXXX do not report this account as mine and as such their credit report is massively different from my XXXX XXXX. I am pleading for help with this situation.
|
| 11/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
My Avant credit card was 60 days late due to a my medical issue. On XX/XX/2023 I finally was able to catch up and could only make a {$50.00} payment on a payment plan online. I did so. Then on XX/XX/XXXX I made a {$300.00} payment. My Avant card was then all caught up and all done on line.
My account, as of XX/XX/2023, was locked and I called Customer Service and was told that my account would come off hold in a day or so.
On XX/XX/2023 I received a credit alert. Looking at my reports, Avant closed my account. In calling them that same day, and spending over 1 hour on the phone, and speaking with a Customer Service Rep and a Payments Dept Rep, I was told it was closed due to a Payment Plan. That an email was sent to me XX/XX/2023!!
I assured the reps that NO WHERE, on their website did it state my account would be closed. And now my credit report reflects the account closed.
In speaking further with the Payment Rep, she too stated my account was closed due the payment plan. She then went on to say I CALLED IN to make this payment plan! I only have a cell phone and can prove I never made any such call!!
|
| 03/31/2023 |
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
|
|
Web |
|
|
creditor- AVANT.COM XX/XX/XXXX XXXX I reported my card lost and requested a new card Fast forward to XX/XX/XXXX I received an email that stated that my card had been activated. I immediately called the creditor and explained that the card was not in my procession and that someone had activated it.
The agent I spoke to on the first phone called said my husband had activated it for me. mind you I am not married and I have never allowed anyone to have access my cards.
I immediately said no I did not authorize it lock the card.
The agent said he locked it and upon looking at my account I found a fraudulent transaction for {$840.00} made at XXXX in XXXX.
I submitted a claim and I was denied. I been trying to ask for the recordings from the day the account was activated and I have been denied. I also called the merchant today and they stated that they could only provide receipts and nothing else.
AVANT wont allow me to reopen the claim and it was denied internally by their bank From XXXX XXXX XX/XX/XXXX the credit card was stolen and it never made it to my mailbox please help me I don't know who else to call
|
| 01/14/2023 |
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
|
|
Web |
Older American |
|
I opened a credit card with Avant Card in XX/XX/XXXX and decided to close it in XX/XX/XXXX, on XX/XX/XXXX I closed the account, they said the balance was {$130.00} and I paid it right on the spot so it was paid in full and closed. I never heard from them again.
Now on XXXX XXXX Avant went and posted a XXXX delinquent on my credit report for {$4.00} this bringing my XXXX credit score down XXXX points, I called them and their answer was after it closed there was small interest due, I told them once I paid you in full and you closed the account you can't go ahead and add interest on a closed account. Now this was closed in XX/XX/XXXX and they just posted this on my credit in XX/XX/XXXX. I am right in the middle of getting a mortgage and if they don't clear this error off my report I will lose the funding, lose the house we are purchasing and ready to close on and have a heap of trouble with the people we are selling our home to, all of this because of a {$4.00} error on their part that they don't want to take responsibility for. I need help or I'm going to lose the houses and thousands of dollars.
Thank You
|
| 02/24/2023 |
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
|
|
Web |
Older American |
|
On Thursday XXXX XXXX I applied on line for an Avant MasterCard. I had been receiving literature from them for years encouraging me to apply. I never responded because the APR was quite high at 34 %. As a XXXX XXXX I rely on my pension and social security for my primary sources of income. I have been XXXX XXXX for the past 37 years and still work occasionally. The brochure that I received from Avant stated that I had been " pre-approved '' for a {$1000.00} line of credit. I realized by filing out the application that my credit report would take a " hard hit '' but I assumed, wrongly as it turns out that I would be approved.I 've been trying to improve my credit rating so I can either refinance my house or take out a reverse mortgage. My self employment income is based on voiceovers.
Iv'e been doing this since XXXX. Unfortunately, as a free lancer, the opportunities have been few and far between lately. The last thing I need is a negative hit on my credit rating.
Having been in the XXXX XXXX for nearly forty years I recognize false advertising when I see it. Avant is guilty of that in no uncertain terms.
|
| 10/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
I received a credit card from Avant issued by XXXX with a credit limit of {$1500.00}. I paid the entire balance of {$440.00} for the month of XX/XX/ in XX/XX/. I received a letter dated XX/XX/ informing me that my credit limit has been reduced from {$1500.00} to {$300.00}, so I paid the balance due of {$120.00} and closed the account. This company sent me an offer letter for a credit card with a {$1500.00} limit, but when I pay the entire monthly balance they want to reduce my credit limit. They're using the excuse that I have adverse credit issues on my credit report, but they knew this when they initially offered me the credit card. How can my credit issues make me worthy of {$1500.00} one month, but the same credit issue makes me only worthy of {$300.00} the next month. This is some shady dealing and I think someone needs to investigate this company 's business dealing. I think they were wishing that I couldn't pay the entire balance each month and then reduce my limit, so I would have excess charges that they could collect interest on, but I would no be able to use the card due to the limit reduction.
|
| 10/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Request for Removal of Fraudulent Account from Credit Report I am writing to inform you that an account listed under my name with your institution has been opened fraudulently. I have recently discovered this unauthorized account on my credit reports from XXXX, XXXX, and XXXX.
The details of the fraudulent account are as follows : Account Number : XXXX I have not authorized the opening of this account and have taken immediate steps to report this identity theft to local law enforcement and the Federal Trade Commission ( FTC ). I have attached copies of these reports for your reference.
I kindly request that you investigate this matter promptly and remove this unauthorized account from your records. Additionally, I ask that you contact each of the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) to inform them that this account was opened fraudulently and should be deleted from my credit reports.
I understand the seriousness of this situation and am eager to cooperate fully in this investigation. Please let me know if you require any additional information or documentation from my end.
|
| 06/13/2022 |
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
|
|
Web |
|
|
on XX/XX/XXXX i found charges on my avant credit card and reported them immediately and shut down the card. on XX/XX/XXXX found 2 more charges and called again to report the fraud. i have called a total of 12 times and each phone call is documented. avant refered me to shelbi in the fraud division last month, the charges on my account are XXXX XXXX- {$12.00} XX/XX/XXXX XXXX XXXX {$20.00} XXXX XXXX XXXX- {$20.00} XXXX XXXX {$20.00} XXXX XXXX XXXX- {$53.00} XXXX XXXX XXXX XXXXp- {$16.00} XXXX XXXX XXXX {$23.00} XXXXXXXX XXXX XXXX XXXX {$16.00} XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX {$21.00} i have no knowledge of the charges and now because no one will help me my credit score has decreased due to avant reporting I am over my limit and not doing their job. i'm XXXX and on a very fixed income and shelbi in the fraud division keeps telling me via email ( because she has not answered any of the 6 times i called nor has she tried to call me back and i have my call log from my phone company to prove and will give if needed ) that the charges that I am saying are not mine she can not find. can you please help me
|
| 02/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American, Servicemember |
|
Loan obtained through XXXX XXXX to consolidate debts on XX/XX/23. One debtor included is Avant financial with a pay off quote of {$2900.00}. Avant charged my checking account for {$2900.00} under an error I made while obtaining the pay off amount. In error I entered XX/XX/23 as the date of pay off, believing XXXX XXXX would have sent {$2900.00} by then. Funds did not arrive, and as of today XX/XX/23, not received by Avant.
After contacting XXXX XXXX I was informed that a check for {$2900.00} had been mailed to Avant possibly taking 10-15 days to process, which I was not told when I selected direct pay from XXXX XXXX XXXX Avant, meanwhile my checking account is overdrawn by over {$2000.00}.
Contacting Avant in order to resolve this situation was futile. Contacting XXXX XXXX also led nowhere.
My point is, had I had been made aware by XXXX XXXX, that Avant financial was being mailed a check instead of electronic payment, I wouldn't have entered a XX/XX/23 payment. I believe 2-3 weeks is an unreasonable time for completion of payment.Meanwhile my checking account remains overdrawn.
Thank you, XXXX XXXX
|
| 09/28/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
Provided me with a deceptive pay off amount, and tried to collect more money than the quoted payoff amount. They refuse to work with me, stating in XXXX of 2023, to check back after XX/XX/2023, for a payment arrangement, in XXXX of 2023, contacted Avant and told me to check back after XX/XX/ 2023 for a payment arrangement, stating that they can not provide me with one. I started with a {$300.00} credit limit, and they total balance on the account is currently {$700.00}. They refuse to work with me as the consumer on getting the account resolved. Have asked for a settlement to get account paid and closed and still no help. The account currently continues to negatively affect my credit with fees even though I have tried to every avail to work with Avant in getting the account situated. I told them on numerous occasions the minimum payment they are asking for of almost {$400.00} is out of reach and wanted an arrangement, instead they try to instruct making small payments, which will do nothing to the overall balance of the account as it constantly is collecting late fees and outrageous interest fees.
|
| 04/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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On XX/XX/XXXX I received a loan from Avant. I started payments on XX/XX/XXXX. The contract was for 36 payments of {$200.00}. In XXXX of XXXX I received an email offering assistance due to the Pnademic, offerring to postpone 3 payments to the end of the loan. Because I was not working at the time, I accepted the offer. I have already made 35 payments of the 36, the next schedule payment is for XX/XX/XXXX XXXX which I thought it was going to be the last payment. I checked the account to make sure it was correct, but I see a balance of {$740.00} on the account. When I called, I was told that this was because of interest on the deferred payments. This was never disclosed to me when the deferrement was offered. I did not know they were going to charge me over {$500.00} in interest for what they offered. When I called, I asked to speak to a supervisor, and was told one was not available to speak to me. I explained to the gentleman I spoke to that the payment for XX/XX/XXXX should be 36th payment on my account according to my 36 month contract, and he stated I have to pay the rest to satisfy the account.
|
| 02/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Payment process is intentionally difficult in order to charge fees. I paid my monthly loan payment before the due date in XXXX, but my payment was not applied toward the monthly payment because I received a notification that my auto draft payment was unsuccessful. I called customer service and was assured that my account was current, I would not be charged any fees, and further auto draft attempts would cease- this was not true, I was charged a fee by avant, though no payment was late, and I was charged a fee by my bank for their attempts to draft an additional payment. For the month of XXXX, again I manually paid my monthly bill, and it did not automatically credit my payment toward the bill for XXXX, instead my account still wanted an additional payment. I called customer service where they had to manually apply the payment I made toward my bill, lest I incur another fee- after the change to my account was made by customer service, there was an erroneous fee that did not appear before, I attempted to contact customer service again, but was repeatedly hung up and unable to gather any information.
|
| 08/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
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I had tried multiple times to reach Avant Credit card to make my payment all the way up until twice yesterday morning also tried using theyre XXXX XXXX to make payments on time and theyre website all which had failed I received a call from them yesterday and they said I was past due and owed XXXX to bring account current I said I would make payment and that I had tried multiple times and could never reach them by phone as well they said they understood had me try resetting password multiple time in XXXXXXXX XXXX and using web browser all those times while I tried to do so failed obviously they said there was a problem on theyre end so I paid what I owed they said not to worry because problem was nothing to do with me they would do late fee waiver then XXXX I got a email from them saying late fee was denied so they lied to me knowing full well it was not in any way my fault I was not able to make a payment and even seeing themselves why I wasnt able to I need this late fee waived and not to effect my credit score I have been working so hard at improving my credit and this is unfair to do this to me
|
| 10/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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|
Web |
Older American |
|
On XXXX, I tried to log into my account with Avant. I had previous loan with them which I paid off. I was just trying to see if I could possibly take out another small loan. However, after I entered my User name and Password and taken to the next screen to enter my personal information. It didn't recognized my info. I reentered it several times where I was locked out, told to call them. So, I decided NOT to apply or inquire about any product from Avant. Then around at XXXX XXXX I received a email saying that I was denied a loan based on my credit score. I NEVER APPLIED FOR ANY LOAN WITH THIS COMPANY. SO NOW THEY ARE STATING I WILL have a INQUIRY on my credit report. This is not accurate information. Since, I never inquired anything since I WAS LOCKED OUT OF MY ACCOUNT. What I find upsetting is that is putting false information and VERY Deceptive practice. I really do not need anything on my CREDIT REPORT From this Company. I have been working hard to build up my credit score and now this AVANT is putting a false inquiry on my credit report. Please ask them to withdrawal it.
Sincerely, XXXX XXXX
|
| 06/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American, Servicemember |
|
AroundXX/XX/2023, I made a payment to the Avant Credit Card, around {$50.00}, or so. When I checked my payment status, I was charged a {$39.00} late or missed payment fee. When I called, they informed me that I had missed a payment. What had happened, I made the payment early. I called to have the late fee removed. It was denied. They told me to email them. I emailed them, they denied it again! I told them to close my account, because I didn't want to associate with a company with no empathy towards their customers. I made my next payment which was around {$65.00}, which was the payment that was due. The next few months my payments went from {$65.00}, to over {$100.00}, to over {$200.00}, and they continued to charge a late fee, even after I had paid them according to the date. When I called again to verify the payment date, the representative never gave me a concrete answer. I have tried various times and calls to correct the matter. They never investigated my inquiries nor returned my calls. I recently told them that I would not make another payment, until they straighten out my account.
|
| 08/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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I have received calls all year from Avant in an attempt to collect on an alleged debt. XX/XX/XXXX I sent them a validation of debt letter that the company received on XX/XX/2021. I also sent in an Affidavit of Truth letter as well that included an invoice for violations. XX/XX/2021 I called in and spoke to a supervisor and he stated he saw the letters and because the letters were still in review he could not provide any additional information to call back in 2 weeks. On XX/XX/2021 I called in once at XXXX XXXX central time and was hung up on after being transferred 3 times and being on the call for over 43 minutes. The number that I called was XXXX. I called the XXXX number back at XXXX XXXX central time and was transferred 2 times and was told to call another number after being on the call for over 22 minutes. I called the number they provided which was XXXX and I spoke to XXXX XXXX and she was the very first representative that actually tried to help resolve the problem. Unfortunately, she could not help but stated that she would escalate the problem to the Resolution Department.
|
| 09/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
AVANT charged me interest of {$7.00} on my XXXX billing statement when there is NO balance on my credit card account. This is theft on the part of AVANT because I paid my balance of {$560.00} in full twelve days early. Therefore I do not owe AVANT any interest and I told them I will not pay the {$7.00}. AVANT has refused to refund me the {$7.00} that they owe me back to my credit card account. AVANT is also trying to force me to pay them {$7.00}. AVANT told me that I have to pay my balances in full for two consecutive cycles to not be charged interest WHICH I KNOW IS A COMPLETE LIE BECAUSE THAT IS NOT TRUE. If I paid my balance in full twelve days before the due date I dont have to pay AVANT any interest on a {$0.00} balance. And AVANT wants me to pay them interest on a {$0.00} balance. I am requesting to apply to be a part of the XXXX XXXX lawsuit that the Federal Trade Commission won against AVANT so that AVANT can refund me my money back. AVANT IS A FRAUDULENT AND DECEPTIVE CREDIT CARD COMPANY THAT WANTS TO STEAL MONEY FROM THEIR CONSUMERS. AND I WILL NOT LET THIS HAPPEN TO ME.
|
| 11/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
Servicemember |
|
Avant lowered my credit limit from {$1000.00} to {$250.00} without notifying me. The limit decrease was done sometime in late XXXX or early XXXX. When I logged into the account the limit had been lowered so I requested a copy of the credit card agreement. I received the credit card agreement in XXXX. On XX/XX/XXXX XXXX weeks after I received the credit card agreement I received a letter back-dated to XX/XX/XXXX stating that the company had lowered my credit limit due to a credit report that they had pulled. The company did not provide me with a copy of the credit report that they used to determine this information. My balance with Avant has been paid in full every month as have all of my other credit cards. There is no new information on my credit report showing negative behaviors. This credit card decrease was made in bad faith and then intentionally hidden which is fraud. I have never failed to make the minimum payment. exceeded my credit limit, used my account for an illegal transaction, had a new bankruptcy, and I have complied with all terms within my credit card agreement.
|
| 07/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
On XX/XX/XXXX, XXXX and XXXX of XXXX, I made a payment each day to Avant credit card. By XX/XX/2022, Credit available and credit limit were the same at {$300.00}. XXXX was paid in full. On XX/XX/2022, I looked at the account online. It showed a charge of {$3.00}. An email from Avant clearly states it is an interest charge for XX/XX/2022. I sent letters, received no reply. Avant sent me a letter stating that they had sold the account to a collection agency and the amount now owed is {$100.00}. I sent all the info I had to that collection agency. I then received another letter from Avant stating they sold the account to another collection agency. After waiting for a while, heard nothing from this XXXX collections, I called them. The man I spoke to said they could not collect on the debt nor could they report it to the credit Bureau. I sent a Letter of Intent to Avant XXXX. I've yet to receive a response. I would like to file a law suit as they have yet to correct the info on both XXXX XXXX and XXXX XXXX. It is not a charge off or delinquent. I do not owe them. It is paid in full.
|
| 01/10/2023 |
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
|
|
Web |
|
|
XXXX has processed refunds that Avant has failed to post to my account. I am reporting to you as in the past I have had issues with this same credit card. Although they eventually make the adjustments, they do not adjust the interest charged.
XXXX PROCESSED REFUNDS DATE ORDER AMOUNT CARD NO.
XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX I am owed {$140.00} in processed refunds plus an interest adjustment.
They have also reduced my credit limit from {$750.00} to {$500.00} for no reason. I have never been late on this account and normally pay in full. I also do not have anything negative reporting on my account. I had reached out to them but never received a response. As you know, any changes in credit limit impact credit scores. It is the only reason I do not close this account.
|
| 05/15/2022 |
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
|
|
Web |
|
|
I received an unwelcome notice from XXXX of a XXXX point decline on my credit report. This change occurred because an entity named " XXXXAvan '' imposed a " hard inquiry '' on my credit. I am not seeking credit, I have no relationship with the financial entity and did not authorize any inquiry. I requested that XXXX remove the inquiry but was told they need a deletion letter from the company that made the inquiry.
I wrote to XXXX requesting a deletion letter and they said they could not provide one because while they are the " lender '' they partner with other financial entities and only their partner has access to my customer and account information. So I wrote to Avant LLC, even though I am not their customer, but did not get satisfaction.
I find this whole experience very unsatisfying. What right do they have to impose this on me without my authorization. When I ask each entity to correct the problem they all point the figure at someone else.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/22/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
Servicemember |
|
I have repeatedly requested to close my account with AVANT LLC and my requests has been ignored. This suspicious behavior is unacceptable!! I'm requesting to close my account and to overnight my government XXXX benefits to the address on file. Instead, AVANT IS DEMANDING TO REPLACE A LOST OR STOLEN DEBIT CARD THAT I DID NOT REQUEST. I WAS FORCED TO UPDATE THE APP WITH THIS BUT THE APP NEVER ACCEPTED MY password after XXXX attempts. Please see screenshots for proof. {$300.00} was PAID AND THE OTHER {$300.00} IS STILL PENDING ALMOST ANOTHER MONTH LATER PENDING TRANSACTIONS CAN STAY IN PENDING STATUS LEGALLY??? I WANT AND NEED MY FREAKING MONEY THIS IS ABSOLUTELY TORTURE!! I WAS I NEVER HEARD OF THIS DECEIVING INSTITUTION!! I also mistakenly sent my taxes to them and the representative was distracted with the wrong document and instead I needed help with my account. I repeatedly requested to not share my private information and I informed him that I sent the wrong attachment and had I not volunteered to share the representative wasn't going to be honest and tell me.
|
| 11/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
I started getting phone calls regularly at least twice a day. I don't answer calls from random numbers but after several days it became annoying. I checked the internet to see who was calling me and discovered it was Avant. I have a credit account with them. When I logged into my account I saw they were claiming my payment was late for XXXX. I paid my monthly bill on XX/XX/XXXX even though it was due on the 25th of the month. They are charging me a late fee. I phoned them immediately to inform them they were incorrect and that I had paid on the 1st of the month. I was told that counted as XXXX, even though I had paid XXXX on the XXXX. I asked them to remove the late fee but they denied my request. This is not about the money. If I had been late I would've just paid it. I started doing research on Avant and saw that they have done some questionable things in the past. I am filing because they are being unfair. The statement tells me I have to send them a request in writing for a " mistake '' on my bill. I will be doing this as soon as I've completed this here.
|
| 08/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
On XX/XX/2022, I attempted to make a {$25.00} payment towards my credit card using the Avant mobile application. I made ONLY one attempt to enter in my password which was incorrect. I did NOT make multiple attempts to log in and I still received a message that said " Due to suspicious activity, your account is locked, please contact Avant. '' I was able to successfully log in online and make a payment however, I still want to use the app for convenience so I called Avant customer service and spoke with a rep who was highly incompetent. He was trying to reset my password although I advised him that I was able to login online but my account shows locked on the mobile app. He then proceeded to disconnect the call. I called back for a second time and spoke with another rep who did not help nor did she actively listen to the problem. She proceeded to tell me to unlock my own account. She had me uninstall and reinstall the app which did not solve the problem either. The call was then disconnected by the representative. Avant 's customer service is horrendous.
|
| 06/12/2023 |
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
|
|
Web |
Older American |
|
CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX XXXX
|
| 12/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I used their website to pay my bill. It automatically inserted the minimum payment but I needed to pay a few dollars more to bring it back under my limit. I entered the new amount and finished the transaction. When I checked my email a couple hours later there were XXXX transactions, the one I authorized for {$30.00} and the minimum payment of {$25.00} which I did not. I processed the payment at XXXX. When I called at XXXX I was constantly put on hold by the representative who was actually laughing at me. I was never transferred to a supervisor. I was told that because it was after XXXX central time it couldn't be stopped. I am in eastern time. My whole issue is that I didn't authorize XXXX payments. I was told once the XXXX payment posted and bounced on my checking account to call back. I did not authorize XXXX payments. It is unreasonable that they wouldn't correct their program mistake. Most credit cards have a way to stop a pending payment before the end of business that day. Laughing at me makes me wonder how many scam payments they collect.
|
| 10/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
APROXIMATELY XX/XX/2023, I WAS OFFERED A PAYMENT PLAN VIA CUSTOMER SERVICE ON THE PHONE. PAYMENT STARTED ON THE XXXX AND CONTINUED ON FOR THE NEXT 2 MONTHS. THE FIRST PAYMENT WAS AROUND {$76.00}, I MAY AN INITIAL PAYMENT OF {$100.00} ON XX/XX/2023, WITH MY BANK CARD VIA ONLINE CUSTOMER SERVICE.THE PAYMENT DID NOT PROCESS UNTIL THE NEXT DAY AND THE PAYMENT PLAN WAS CANCELLED. I HAVE CALLED AVANT SEVERAL TIMES OVER THE PAST 4 MONTHS AND NOTHING HAS BEEN DONE. THEY HAVE ESCALATED THE SITUTION OVER 3 TIMES AND ULTIMATELY, THEY ENDED UP CLOSING THE TICKET EACH TIME, GIVING ME EXCUSE AFTER EXCUSE. THE REASON GIVEN THAT THE PAYMENT PLAN WAS CANCELLED WAS DUE TO THE DIFFERENT TIME ZONES, BUT THE CUSTOMER SERVICE MAY HAVE KNEW THIS, AND SHOULD HAVE SET THE ARRANGEMENT FOR THE FOLLOWING DAY. I have been trying to resolve this issue even after the initial complaint, and Ive gotten nowhere everyone I speak to you over at the company, keeps repeating the same thing over and over and over again. Nothing has been done even though it was technically their fault
|
| 06/17/2023 |
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
|
|
Web |
|
|
I have closed this account since XX/XX/2022. The balance was XXXX XXXX {$300.00}. I have been paying XXXX XXXX {$45.00} every month, sometimes more and the card never goes down but instead it goes up. They are still charging as if the account is still open. For example my last payment at the end of XXXX was XXXX XXXX dollars and the cards balance was {$300.00} but when I look at the balance now ; is still {$300.00} even after the XXXX XXXX payment and now they are charging me {$94.00} for the end of XXXX and my card is still in the negative numbers. I do not understand why. I had to call every month and even when I paid early they will not apply the payments because I was " too early ''? I really need help with this situation. All I wanted was to keep paying a regular monthly payment until it was paid off but this card is a scam to me. And it is also affecting my XXXX XXXX. This js the only card I have issues with. I paid off XXXX and XXXX with no issues except this Avant LLC card. I am a XXXX XXXX XXXX XXXX woman trying to make things right.
|
| 05/05/2022 |
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
|
|
Web |
|
|
I got an alert that a new inquiry was made, from my credit reporting service, credit sesame. I also got an email from the company in question saying my application was denied. Both the inquiry and email are dated XX/XX/2022. I did NOT apply for this card and I've tried calling them and you are placed on hold, l finally got someone on the phone who refused to transfer me to their fraud department and told me it would take 5-7 days before they even send me paperwork to open a fraud investigation. This is utterly unacceptable. I managed to use my email was was used during this fraud attempt - and found the address which is in New Jersey ( screenshot attached ) The inquiry was reported by XXXX. Upon reading comments on the XXXX XXXX XXXX website - I have seen multiple complaints that match mine in nature.
The company information is Inquiry date : XX/XX/2022 Account : XXXX XXXX Type : Finance/Personal Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX Phone number ( XXXX ) XXXX Once again, I DID NOT apply for this card at all.
|
| 10/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I got an Avant credit card. I sent them a payment on time. Despite that fact they seemed to take an extra long time to apply the payment. In that time they charged me a late fee.
Two months later, I sent them a payment by the deadline on XX/XX/XXXX. I made the payment electronically through my bank. It was sent to them on XX/XX/XXXX.
Despite that they did not apply a payment to my account, and my account is now listed as over the limit ( which affects my XXXXredit score ).
I contacted them twice by phone, and they asked me to email proof ( although they have internal records of when they received the electronic payment ). I emailed the proof ( screenshots ), then they replied by saying I have to call them to submit the proof.
It seems as if they're deliberately holding the payments PAST the due date, then charging their customers late fees and over the limit fees. When a customer contacts them about the issue, they just give them the 'run around ', hoping the customer will just get frustrated and give up and they can keep their fees.
|
| 08/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took out a {$6000.00} personal loan with Avant on XXXX XXXX. Therefore it has been approximately 6 years and 8 months since the origination date.
During the time, Ive encountered numerous financial difficulties. At times, payments were missed or I was set up on a payment plan. However I have been current on this loan now for many years despite these struggles.
To date, I have paid {$9900.00} to Avant for this {$6000.00} loan. At this time, only {$840.00} has been paid towards principle., meaning I have over {$5100.00} in principle only to pay off on this loan according to them.
While I understand at times I have been on a payment plan, or pushed payments to the end of the loan, I have still paid {$3900.00} in excess over and above what was lent out to me. Avant- has made a profit on my loan.
With these extensions and payment plans, it is not clear at all how I can still owe this much remaining on the loan. There is nothing clearly spelled out saying so in my loan documents. At best it is confusing, at worst it is deceptive.
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Avant acct ending in XXXX is violating my rights as a consumer for this account is not my account XXXX XXXX XXXX. Avant has verified that they don't have no contract agreement with my physical signature.This a violation of 18 U.S. Code 1341 - Frauds and swindles I didn't give consent to this account for this isn't mine because there's proof of account is mines. ( See Attached ) For this also a violation of 12 U.S. Code 5531- Prohibiting unfair, deceptive, or abusive acts or practices. They are reporting to the credit Bureaus without my consent. Also Avant, XXXX, XXXX has been selling and trading my ( debt ) securities on the secondary market and profiting without compensation. This also a violation of 18 U.S.C. 1348 SECURITIES FRAUD Securities and commodities fraud is a serious crime under federal law, punishable by a maximum imprisonment of 25 years, plus a fine. 18 U.S.C. 1349 confirms that an attempt or conspiracy to commit a violation of 18 U.S.C. 1348 will be punished in the same manner as a violation of Section 1348 itself.
|
| 04/10/2023 |
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
|
|
Web |
|
|
XX/XX/2023 I recently noticed fraudulent charges on my Avant Credit Card totalling over {$700.00} only due to my BALANCE DUE reflecting the charge vs my last statement balance of {$89.00} just a few days ago. The transaction history for my account does not show any transactions since XX/XX/2023 ( my payment of {$220.00} ).
I have tried multiple times to resolve the issue with Avant Finance, however, each call has been disconnected by the representative after they confirm that they also can not see any new charges, but each refuse to escalate my calls to a supervisor or correct the balance to reflect the accurate amount.
I have not received a call or any correspondence from anyone in follow up to my repeated calls.
My account balance with Avant should now be {$16.00} as I made a payment of {$73.00} tonight.
Avant has recently been fined for fraudulent practices including adding fees and charges to customer accounts and failing to credit payments. I am afraid they are at it again. Please help me to get this issue resolved.
|
| 09/16/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I had an automatic withdrawal that was not honored by my bank in late XXXX. The next month automatic withdrawals continued as agreed. Starting in XX/XX/XXXX I have continually tried multiple times to pay the missed payment but online always says the website is in maintenance. I have spoken to representatives over 20 times since XXXX and they refuse to take a payment stating they can't find an account. I also have emailed support which has acknowledged an issue and sent me an email stating that charges and interest would be waived until they got the issue fixed but I still get maintenance notification when I log in. Recently I got notification on my credit report that the account is past due and balance has increased due to interest and charges. With Avant 's history with an FTC lawsuit I can only assume that the runaround I have gone through to make a payment is intentional and illegal to increase interest and fees. Their activities have reduced my credit score that will cost me money on insurance and loan rates going forward.
|
| 06/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied for a loan through Avant and did the application and credit check. It said they are going to contact me later with rates and more information. I didnt hear from them for a couple days so I checked their website which I had to make a login during the application process. Their website said I had got the loan but I never sent any information or signed a agreement to the loan. So on Monday the money was deposited into my account and I called avant. The first representative couldnt hear me too well so I called back later after I got home. I told the lady I would of never agreed to those terms and never signed for the loan. She said they sent a email with a link to complete the loan agreement. I said I never got it and later checked my email and its sitting in the spam folder unread. She was very rude and would not provide me with a email showing these things she stated. Long story short I applied for a loan but would have never agreed to those terms and never gave them any documents or signed a promissory loan agreement.
|
| 10/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
For some reason I am unable to use my Avant credit card.
I called customer service and they said there is a problem with my account and they need to verify my identity. I was not notified that there were any problems with my account, I only learned about this after attempting to use my card and it was declined.
Phone customer service said to send an email to the company via my personal email. There is no online messaging portal. I sent an email, was told to call, and this went back and forth for a while. I finally got an email from a representative who said that I need to EMAIL my documents with personal information in order to " unlock '', confirm, validate, etc. my account. There is no other way to submit this information other than email. I do not feel comfortable emailing the requested personal documents which include a valid ID, financial information, and utility bills. I am happy to provide these documents via a secure online portal but it does not appear that there is XXXX available.
I remain unable to use my card.
|
| 07/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Through the XXXX website, I applied for a loan with Avant. The offer on the website said I was pre-approved for {$35000.00}. Their website claims that the loans are processed within 24 hours. I submitted all the necessary documentation and they pulled a hard credit check on me. And then nothing. I called customer support and they read me the same speech.
I asked multiple times if I submitted all the proper documentation. I was told that I had. The speech always included that they try to approve within 24 hours. My file was being reviewed.
I applied on Friday, XX/XX/2022. It is now Thursday, XX/XX/2022. Because of their unfair and deceptive practices, I am no longer eligible for the other loan offer with another company. Their hard credit pull hurt my credit rating. It has been an humiliating experience. Their actions have been detrimental to my finances. I consider their actions abusive.
If I wasn't really pre-approved, they should have just told me. We should not be almost a week out and I still do not have an answer.
|
| 04/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have a personal loan with Avant. I have agreed to a scheduled once monthly automatic payment on the XXXX of each month. For XXXX, the XXXX was on a weekend, so the payment moved to the XXXX or XXXX. That payment bounced back from my bank, so I scheduled a payment for Monday XX/XX/XXXX. Today, XX/XX/XXXX, that scheduled payment AND an unauthorized automatic payment were taken out of my account, causing my account to overdraft. After being notified by my bank, I reached out to Avant to have one of the payments refunded and asked why payment that was scheduled for the XXXX was taken out a day early. The representative was not able to explain why the payment was taken out a day early, and advised that it would take 2 to 3 weeks for the refund to hit my account. This is a {$780.00} refund owed to me, and that is a massive amount of money for my family. This is their error, and a delay that long is unacceptable. I asked to speak to a supervisor repeatedly, and was repeatedly told a supervisor was not available to hear from me.
|
| 09/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
On the XXXX XXXX pages leading up to the Avant Credit Card application to get a new card were the words will not affect your credit score.
On the actual application itself the same words appeared will not affect your credit score.
I have screenshots that I took while completing the application.
I was instantly approved by Avant for the new credit card and at the exact moment ( instantly ) that I received a confirmation email for said approval, I received an email regarding my credit report. It stated that there was new activity on my credit report.
When reviewing the activity, my report clearly showed that the Avant ran a hard inquiry which DID IMPACT my score. It dropped my score XXXX points for a the hard inquiry. A hard inquiry though a small impact is an impact nonetheless!
They are misleading people to apply for new cards under false pretenses PERIOD.
Why are these banks allowed to get away with these misleading and sneaky tactics CONSTANTLY without any repercussions? Its so tiring and infuriating.
|
| 01/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
On XX/XX/21 I received a XXXX XXXX credit card in the mail that had a secondary card with another persons name on it ( that I did not know ). After contact XXXX XXXX it was apparent that I was a victim of id theft. I ran my credit and saw two other accounts- XXXX XXXX and Avant Bank. i contacted both companies on this date to report. XXXX XXXX closed it down immediately. Avant Bank told me no card had been issued so they could not close. I checked my credit report daily and soon discovered that a card had been issued by Avant bank and a {$39.00} charge was made on XX/XX/21 ( 22 full days after I reported the fraud to them ). I contacted them and set them copies of the police reports etc. To date, they still have not acknowledged the fraud or closed the account. I have requested multiple times and sent in all the paperwork requested. Each time I do they ask for more paperwork. The police office handling my case has even called them. I have submitted this also through Identitytheft.gov and sent that letter to them.
|
| 09/06/2022 |
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
|
|
Web |
Older American, Servicemember |
|
The CFPB has the bad habit of closing a case immediately when it receives a response for the company complained about. Case in point : on XX/XX/2022 I filed complaint # XXXX because of a fraudulent billing. On XX/XX/2022, you received a Company 's response, clearly identified as an Intern Response which indicated their compliance people were looking into my complaint but needed 60 days to do so. You sent me a copy and immediately closed the case. To prevent future issues, I immediately went to the credit card company and BLOCKED the account. The bill due date was XX/XX/2022. Now I am receiving late payment notices and the balance has increased from {$56.00} to {$120.00}. How did a BLOCKED ACCOUNT go from {$56.00} to {$120.00}, if no activity was allowed on the account. I have no indication of what the additional {$66.00} is supposed to from. I did not use the card! I must close this account immediately, please help me do so. Do not close this complaint until you receive a Final response for the Company.
|
| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/2023 I received information via email regarding a credit card application that was submitted to Avant, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX. This complaint is regarding an unauthorized fraudulent activity that my credit agency have notified me with since they declined Avant the company. I, the consumer and owner of the credit personal identifiers ( social security number, and name and other associated identifiers ) did NOT send this company a credit card application. I have already notified a customer service representative from Avant about the fraudulent activity and they said to send and email to XXXX which the consumer have already done so within the same business day. Please do not contact the consumer again nor send an application for a credit card without consumer consent in writing with a legal wet signature with proof of legal ID. There are too many fraudulent digital credit card companies since covid and this company activity from Avant is one of them.Thank you.
|
| 05/30/2023 |
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
|
|
Web |
|
|
I've been back and forth with XXXX XXXX in regards to two accounts XXXX, and XXXX.
These accounts was charged off XX/XX/2022 and XX/XX/2022 per XXXX credit report. However, I've yet to recieve the canceled portion of a 1099c. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtness with 1099c and is now INCOME, furthermore income can not be on a consumer report. Furthermore, XXXX XXXX is in violation as there privacy policy states that I as a consumer have a right to opt-out of third party sharing and that they only can do so with my written consent, which I never gave.I 'm also fully aware of XXXX XXXX trading and selling on my name unauthorized. Pursuant to the XXXX sec filings ( indenture agreement ) XXXX XXXX failed to disclose My right as issuer to transfer my securities for discharge and recieve payment for doing so, which without disclose of this it's obviously securities fraud, because they're still selling and trading on my name unauthorized.
|
| 12/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
This isnt the first time theyve messed with my funds, but this was the last straw. Its not even over a lot, its only XXXX. Im just at my wits end with this bank. I had to call cursing and aggravated beyond hope, just so they would send me my money that someone was refunded toy old account while it was already closed for XXXX full days. Then when I call, theres nothing they can do, they can try to send it to my bank digitally and XXXX get an email. No email, no funds a couple days later. This is on XX/XX/XXXX.
XX/XX/XXXX I call again and this time same rant, BUT we can mail you a paper check. At this point whatever gets the money out of my account because this is all I wanted. However the money shouldve been sent back or refused as is stated in the account closure email. Before this occurrence though, their support was no help with double charges or with funds not arriving. Overall Avant/Level bank is great, that is only if youll never have any problems ever, because they dont want to fix them.
|
| 01/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have a credit card and a loan through Avant, about 4 months ago they blocked my access to my account online. They are taking money out of my bank account to make payments, but when I contact them regarding balances or where the money is going, they tell me that according to their records I do not have an account. I recently received an email to call them regarding stopping my ACH transfer, I get the same response, I do not have an account on file for them, yet they continue to take money from my checking account and can not tell me where this money is going. According to my credit report the balance on the loan and card keep rising, no payments are being made to the account but again they keep taking my money. How can I resolve this without losing more money and without ruining my credit because they show I am not making payments on my credit report...? They also refuse to send me paper statements. They said my customer ID number is XXXX but again when I call they have no record of this.
|
| 05/26/2022 |
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
|
|
Web |
Servicemember |
|
An AVANT credit card was opened in my name on XX/XX/XXXX. Three charges were made on the card : XX/XX/XXXX, XXXX, XXXX New Hampshire, {$400.00} XX/XX/XXXX, XXXX XXXX, XXXX Massachusetts, {$50.00} XX/XX/XXXX, XXXX XXXX, XXXX Massachusetts, {$46.00} A new address was added to my credit report on XX/XX/XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Ma. XXXX I have never lived at this location.
I did not open this card. I live in Florida and I did not make these charges. I never received a bill or notification about the charges from AVANT. I became aware of the fraud when my credit score started to plummet. I contacted AVANT and asked for a paper statement to be sent to me and AVANT refused. I obtained the information above through numerous phone calls and by pulling a credit report from XXXX. I have opened complaints with XXXX and XXXX and AVANT. AVANT has closed the account and reported to XXXX that I am responsible for the charges. I called XXXX and they opened another investigation.
|
| 05/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
On the week ending XX/XX/2023 I was pre approved for an Avant credit card. They had to verify my email address as part of the approval, I never received their email. I called the XXXX cust. service MULTIPLE times, and they kept saying " it's your computer ''. No it isnt!! I am receiving emails just FINE!! One of them said that they had an old email address of mine that has been gone for at least 5 years now!! I told them that their " I T '' dept is negligent in not changing me email address to the new one. It keeps defaulting back to the old email and that is why I can not receive an email from them!! Those " kids '' have no clue at all about how computers work!!
I only have so much time to finish the application process, but they do not know what they are doing at all!!
And they said MULTIPLE times that they escalated this issue to their supposed corporate office and they would call me, THEY NEVER CALLED ME! They should have had someone from there for me to speak to when I called.
|
| 11/29/2021 |
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
|
|
Web |
|
|
I tried contacting Avant, the credit card company about an alleged past due balance. I paid my card already however when I logged into my account, it states that I have a past due balance of {$58.00} and change which doesn't make sense especially if they tacked on a {$25.00} fee. I should not have a past due balance nor should I have a late fee. I called Avant this morning on XX/XX/2021 XXXX times and each time the representative hung up on me and neither time did they call me back while I tried to resolve this issue. So now instead of calling back, as I am very frustrated I decided to submit a complaint as that is not how you treat customers. No one should be hung up on while trying to resolve an important matter and have no one call back. The XXXX numbers that I called are ( XXXX ) XXXX and ( XXXX ) XXXX. Each of those numbers I called and spoke to XXXX different reps and was hung up on each time. I have never had a late payment or overage on this card, never taken a cash advance.
|
| 04/15/2023 |
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
|
|
Web |
Servicemember |
|
I applied for a credit card from Avant and was approved. I later received a notification that the credit card was activated, and I can now use my card. I immediately called them at XXXX and told them I had not received the card yet, so I did not activate it. I was transferred to the fraud department, and they froze the card and issued a replacement. I spoke to a male a few days ago who said he is an investigatorI explained to him that I did not receive the credit card and had no idea who could have made the charge. I asked him how someone could activate it and use the card without my information. I don't remember if he responded to my question. I was checking the due dates on my cards and noticed a similar charge on the Avant account again. I called customer service and was told the amount was returned to the bill because the investigator deemed that I was responsible for the charge. How can I be held accountable for a charge on the account when I never initially received the card?
|
| 05/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
A credit card account with XXXX Avant LLC was fraudulently opened in my name and the credit card company customer service has been horrible trying to get this issue resolved. Avant is telling me I have to wait 5-7 business days for the fraud department to contact me before an investigation can be done and account can be closed. When I first reported the fraud, they recorded a wrong email address and now I have to wait an additional 5-7 business days for the fraud department to contact me because of their mistake. When I reported the card being fraudulently opened on the day the identity theft applied for it, the company still mailed the card out to the fraudulent mailing address 2 days later. The company has not even assured me that this account has been frozen so that it can not be used. Avant was so fast to mail out this card even as I reported fraud on the first day of it happening but they are so slow at getting back to me to getting this issue resolved and account closed out.
|
| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
AVANT/WEB BANK in conjunction with XXXX, XXXX and XXXX are violating my consumer rights and the FCRA Laws.
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. a 5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s 2 A 1. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 09/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Avant is or was reporting to credit bureaus an amount of around {$6800.00} plus interest accrued on a loan I applied for, did not receive, funds were deposited into an account which is not mine, incorrectly. Avant claims to have charged off the balance after letting interest add up and reporting it for several years to major credit bureaus. It appears Avant used this tactic, letting interest add up and report account to bureaus, as a way to attempt to collect on it.. If charged off, the account needs to be removed from credit bureaus. I have not been able to confirm removal from credit reporting to date, however, as stated in prior CFPB complaint, the loan was applied for electronically and Avant has little to no proof I owe such debt and needs to be removed from credit reporting if in fact reported.. Their rep seems to imply I need to make payments by providing their payment information, in which case, no payments will be made as loan was not received and has been charged off.
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My identity was stolen, and I had no knowledge of this account until I went to get prequalified to buy a home. I had my wallet stolen in 2018 which my social security card and license and health care info had been compromised. A crime has been committed against me and someone is opening accounts and applying for credit using my social security number, I have been disputing and fighting this and other accounts since leaving a bitter EX-Spouse. I had contacted the police department and reached out to this company directly with no response, and filed an identity theft report. I have disputed this account with all three bureaus and they have all verified this item. How is this verified without my consent. I want a full investigation and will like this removed from my credit report entirely. I would like to buy a house. I have fraud alerts and freezes on all of my reports. All info have been sent to this company, I pay all of my bills on time and would have never gotten a loan.
|
| 12/09/2021 |
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
|
|
Web |
|
|
I am writing to inform you and to dispute a credit card issue. I was approved for a credit card with AvantCard on XXXX XXXX in the amount of {$300.00}. On XX/XX/2021 at XXXX EST, I received an email from AvantCard saying " this email is to confirm that your AvantCard has successfully activated!
I called customer service at XXXX and informed them that I never received a card, so how could the card be activated. The representative informed me that a statement was due in XXXX days and that the card was used in Washington DC. The representative proceeded to cancel the the card and said that a new card was issued.
I received the new card, activated that card and attempted to use the card and it declined. I called customer service again, and was told by the representative that I was responsible for a card that I never received. I also asked the question how was the card activated without a social security number.
I am kindly asking that this matter be investigated.
|
| 10/03/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
I have a credit card by Avant based in XXXX, IL. I found some purchases after my card was declined. I spoke to Avant who removed the charges during their investigation. They were then put back. I received no notice as to why or even an update. I then called Avant and they told me to call the fraud department. After going back and forth between avant and what turned out to be a third party company, I found that the " fraud department '' isn't actually that. They just lock the card then send a notice to avant who then investigates. I have been told to speak to admin who was in charge of my case but no one will get me to him. The " fraud company '' said they would escalate the matter twice. I have charges pending still and have not heard anything back from anyone and it has been two weeks. Bills are coming due and I refuse to pay for items that are not mine. At this point I would even get rid of the card due to this irresponsibility to assist a card member.
|
| 03/24/2023 |
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
|
|
Web |
|
|
I was supposed to have a credit card through Avant , LLC coming in the mail. I was traveling out of country for two months, when I came back I received a credit card statement with purchases more than {$800.00} dollars. I called the company to explain to them that I wasn't home for such a period of time, and I received a statement which I didn't do I did not purchase and used that card. The credit card 's representative took my complaint and sent another card with a different number, and the card was keeping charging through XXXX XXXX and elsewhere, even though it was in my possession. I called the company again and again to fix the issue, I even sent them a certify letter in order to take my complaint serious nothing happened, one of the managers for that night said : she reported it " as fraud '' instead of reported as fraud the credit limit was {$1500.00} now it is way over limit with an amount of {$1900.00}. The card should be cancelled at once.
|
| 08/04/2022 |
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
|
|
Web |
|
|
Hello I am now divorced and recently married so my new name is XXXX XXXX XXXX. I am requesting assistance with my Credit Card Company Avant. Card # XXXX. POC is XXXX XXXX ext XXXX claim # XXXX, email address of rep XXXX ... .In XXXX / XXXX of 2022 I applied and received a credit card with Avant. I applied for this credit card to go on vacation. I unfortunately lost the card and did not know. I found out that my card was lost when I was looking at my app and saw that there were various charges on my account that I did not do. I called and filed a fraud claim with Avant. I also tried to do some investigation my self calling the merchants to let them know what happened to me. They said they could not assist me because I already filed a claim with the bank.. I called to find out the decision on my claim and recently was told that I am to be held responsible for the charges even though I did not place any of the charges and not in possession of the card
|
| 09/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
Servicemember |
|
I put in a pre approval for a Avant card they asks for documentation I send it to them. Then I received a call from a customer service representative asking me questions then the representative told me congratulations I was approved I then asked how much is the credit limit he told me {$300.00} I said sir if I cant get a higher limit I dont want the card. He then told me that I cant get a higher limit. I said ok no problem I NO LONGER WANTS THIS CARD BECAUSE I AM TRYING TO BUILD MY CREDIT AND A {$300.00} LIMIT WONT HELP! So please dont open the account he said no problem I will just disregard the application! They mailed me a card and I put in it in the trash! On Sunday XX/XX/XXXX this account showed up on my credit with a {$75.00} balance. I called Avant on Monday and ask them why was this on my report after I told them not to open this account and I need it to be removed ASAP and ask to speak to a XXXX I was denied to speak to a XXXX XXXX twice.
|
| 07/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
On XX/XX/2023, I received a phone call from Avent computer about a possible fraud due to some game charges I was playing and it's a great feature to have.
I got the call at around XXXXXXXX XXXX. EST.
It was advent 's computer calling about a fraudulent charge and the computer is the only way that they send you a message to verify if the charges are valid or not so your account could be unlocked. They said no email they send no text it's only by phone. I hadn't done anything in hours. So I called them.
Ask them when the original charge that it frauded was for time and what it was. That's when the representative told me that it came in and they used there time zone but for mine it was at XXXX something XXXX. and I didn't get the call from the computer until XXXX XXXX
I will attach as many of the email copies as I can.
I apologize if you have duplicated attachments or if you need more it's very hard for me to be doing this and copying emails.
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| 08/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I paid my bill in full on XX/XX/XXXX & then I received a new bill saying I owe {$5.00} in a interest fee. I called the company and they said that I owed {$5.00} because I was carry a balance since XXXX, I told them what does that I have to do with anything I paid the balance in full on XX/XX/XXXX. I asked them to waive the interest charge because it didnt make any sense and I didnt carry a balance. They refused..Spoke with XXXX who refuse to give me an ID number, said they only go by their 1st name. She explained that interest doesnt show up until you pay your bill in full and thats how they determine what I owed. I told her that was incorrect. you pay interest each month you carry a balance. she then told me for me to get away from paying interest to pay the balance in full for two months full and that when you wont owe any. THIS COMPANY refuses to try and credit you for late fees, interest and anything else they can try and get over on you with.
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| 04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I opened an Avant loan in XXXX for approximately {$6000.00}. The account was refinanced with a new balance of approximately {$9500.00} and all payments were made on time. In XXXX XXXX as the pandemic engulfed the world, Avant transferred my account to a special temporary program that would lower my payment from {$430.00} per month to {$210.00}. This new plan began in XX/XX/XXXX with an initial due date of XX/XX/XXXX. I set up an auto pay with XXXX XXXX and the check was sent on XX/XX/XXXX. Please see attached bank page. However, Avant cashed the check but did NOT apply it to my account correctly. I have confirmed information of the check being cashed on XX/XX/XXXX making it ON TIME! I have attempted repeatedly to have this corrected. I am additionally attaching emails that were sent to me by Avant that were intended for another customer named " XXXX '' as evidence that this company was perhaps confused with my account. I do not even know a XXXX.
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| 01/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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XX/XX/XXXX I requested a credit limit increase and was denied on the grounds " limited credit experience '' XX/XX/XXXX I requested a credit limit increase and was denied on the grounds " time between request is too short '' XX/XX/XXXX I requested credit limit increase and was denied on the grounds " time between requests is too short '' XX/XX/XXXX I called and asked customer service what does " limited credit experience mean? '' She stated it means I have not held the card for 3 years.
The reasons for denial are a violation of my rights as the consumer and only true creditor.
The laws violated are as follows 12 CFR 1002.1, 12 CFR 1002.2, 12 CFR 1002.7, 12 CFR 1002.9 The codes violated for denial are a violation of my rights as follows 15 USC 1681a ( k ) & 15 USC 1691 ( a ) 3 ENCLOSED : Copies of the federal law in favor of I the consumer, original and only true creditor. Copies of the USC and 3 denial letters from Avant Credit Card Company.
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| 06/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Opened a credit with avant credit card service and had a billing cycle ending on the date XX/XX/XXXX, with reporting to credit burua on XX/XX/XXXX, I had made a payment of {$42.00} with confirmation of XXXX submitted on the date XX/XX/XXXX.
However on the date of XX/XX/XXXX in was the day they reported the payment to credit burau that should a XXXX balance. they added and fee charge of XXXX reported the amount showing this was a balance.
Under the federal billing act the company has to allow 21 days in billing cycle to allow for me to pay the billing, in which this did not happened, sending the information all CRA 's and negative report.
I have spoken with XXXX on the date of XX/XX/XXXX about the matter to ask and demand this be updated correctly to credit bureaus and she is replies there nothing we can do.
This is Fraudelent billing and my credit has taken a XXXX point dive downward. Making ineligible at my banking institution today.
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| 11/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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XX/XX/2023. I lost my job due to contracting COVID-19 since then I have been unemployed. I have no source of income currently. I informed AVANT of this information back in XXXX. The representative that I spoke with submitted a The representative that I spoke with submitted a waiver for the late fees, and a request for me to be on a hardship plan. On XX/XX/XXXX I received an email from AVANT stating that my late fee waiver request has been denied. Not only did they not waive my late fee, they also reported the late payments to my credit bureau. My credit score has dropped over 100 points. There's nothing that I can do about losing my job due to contracting COVID-19, this company is moving unethical and I would like this situation to be handled immediately my credit report needs to be fixed being that the law was passed specifically for consumers to protect us and that is my right I am protected from the cares act and 15 U.S. code 16812 ( F )
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| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Avant violated 15usc6802 also known as the Gramm-Leach-Bliley Act, they disclosed my non public personal information ( loan balance, amount of the loan, etc.. ) to non affiliated third parties ( XXXX, XXXX, and XXXX ) without giving me the proper disclosures, one of which would have given me the ability to opt out of having my information reported to the credit bureaus. They also violated 15usc1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act by reporting transactions between me ( the consumer ) and the person making the report ( avant is a person by legal definition because they are a corporation ) 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
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| 05/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Problem getting a working replacement card
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Web |
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XX/XX/2023 I called the customer care line provided by Avants website ( XXXX ). I told the agent I lost my card and they transferred me to another representative, the next representative said they would have to transfer me as well, stating they'll they were having technical issues as the reason. The representative eventually hung up when I asked why. I went back to the Avant mobile app, to where I see my card number has been changed. I call and ask why, this representative tells me the new card was issued and sent already. I found this to be odd because I was requesting that my card be sent to a new address. All my mail to the address on file with Avant is to be forwarded to my po box in NC, I assumed I'd wait. I waited for the card and all I found is that my card had been used at a gas station in XXXX, NY. I'm currently located and scheduled for work in Virginia Beach, it's impossible that my card was activated and used to my knowledge.
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| 04/18/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.
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| 09/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I am writing to you today to address a matter regarding the 30-Day late payment that have been reported in my credit report with Avant , LLC company on XX/XX/XXXX XXXX
I am writing to kindly request a goodwill adjustment to have this late payment removed from my credit report.
I have been a loyal customer of your company for a few years, and I pride myself on maintaining a good payment record. However, due to unforeseen circumstances, I faced a period of financial hardship which resulted in a late payment. I assure you that this late payment was not a reflection of my character or my commitment to honoring my financial obligations.
I want to emphasize that I have made every effort to catch up on any outstanding payments and have consistently made 99 % of my payments on time. I understand that late payments can have a negative impact on my credit score, which in turn affects my ability to secure favorable financial opportunities.
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| 01/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Hi, I recently had a theft incident where my gym bag was stolen and my credit card happened to be in my gym bag ; The person who stole my card used it to make multiple purchases. I complained and called Avant to make a fraud report ; they removed the transactions, but two weeks later, they added the total amount back to my balance without informing me of anything. They now ignore me and every one of their representatives transfers me to the fraudulent department, but no one ever helps me. This is very unprofessional. I would like the fraudulent transactions to be permanently removed from my account again.
Thank you for your help : The people who work in the fraudulent department are very rude and unprofessional.
Their address, XXXX, and contact information are below : Avant Credit Card XXXX XXXX XXXX XXXX XXXXXXXX Avant branded credit products are issued by : XXXX.
Avant XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX
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| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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XX/XX/XXXX I called and spoke to a female rep to make my monthly payment of XXXX. She said I re eived a late fee of XXXX said no your automated system tells me my due dates are by the XXXX of every month and look back at my history and that shows I'm consistent with the amount which is over my payment XXXX and it is always before the XXXX of the month.she said that it tells her my pmts are due by the 1st of every month ... I said that is not what your automated system is showing I asked for a supervisor.was on hold for 30 min.she said no supervisor available will put me on a call list .no ret call. I called XXXX on XX/XX/XXXX I spoke to XXXX went through the whole explanation again asked for a supervisor.placed on hold for 48 min was told no supervisor available..I asked what total was due to pay the account off and clise my account because I was so aggravated.he told me XXXX paid the balance in full and clised the account.
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| 10/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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This is the second time this has happened with this particular credit card, Avant. The first time, I happened to look at my statement and saw charges from a fitness club I did not make or have no knowledge of the fitness club. When I look up the fitness club on XXXX it shows all of the fraud done, by XXXX XXXX XXXX, to other people on their credit cards and the complaints they've made. The name of the fitness club is XXXX XXXX XXXX So, I called and reported the fraud and was issued a new card. I paid off the balance of my charges. The card was at {$0.00} as of XX/XX/2022. I receive an email today, with a new statement, and when I looked at the statement the same charges from XXXX XXXX XXXX were there again, giving me a new balance. I immediately called to report the fraud and requested my account be closed. I spoke with the fraud department and also customer service and was told the call was recorded. Please investigate.
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| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am a victim of Identity theft- Someone/ Or persons have received appliances from XXXX XXXX- and use my name and identity/social security number without my permission- Credit cards with XXXX, Avant, XXXXXXXX XXXX XXXX XXXX XXXX XXXX- I did not give consent to do such applications online- I have fraud alerts on my accounts I was never called or reached out to approve or deny these accounts.
Please know that the Only accounts that should be reporting on my Credit Reports is below.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All others I am given the agencies- XXXX, XXXX and XXXX Please remove all others.
I was threaten by a company to sue me over a XXXX XXXX XXXX that I did not own- it was open from the result of fraud/Identity theft. My personal name and information has been used to open up accounts without my consent.
I have been a Victim and advocate against such crimes since 2008 XXXX XXXX XXXX XXXX
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| 03/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I made a few late payments to my Avant credit card on the following dates XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX due to Covid. My family struggled to support for each other during this unexpected crisis and some of my payments were made late. Once I was able to adapt to Covid, all of my payments were up-to-date. My credit score suffered greatly from this pandemic which was out of my control. I called Avant to see if the late payments can be removed from my credit report due to a global pandemic and they refused. I would like to reach a resolution to have my late payments that occurred during this global pandemic removed from my credit report from all 3 credit bureaus ( XXXX, XXXX, and XXXX ) so I my credit can reflect my capability to manage my credit and finances without the influence of a global pandemic that has caused many Americans and other countries across the world to suffer greatly. Thank you.
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| 10/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I applied for an Avant Credit Card approximately 2 months ago and was approved for a credit limit of {$1500.00}. Since Ive had the credit card Ive paid off an annual fee on it and Ive made small purchases and paid off the card. I was planning on using the card on an upcoming vacation and found that my credit limit decreased by {$1200.00} to {$300.00}. That is not the limit I applied and was approved for and I havent used the card except for the last few days of XX/XX/2022. I was at a store and found out my limit was decreased while paying for my purchase which caused me undue embarrassment emotional distress and shame because I havent missed a payment and my credit score in is in the high XXXX around XXXX. Ive called the company twice and the representatives were very hostile and rude and would not explain the reason for the decrease and Ive asked to speak to management. Can someone please help me. Thank you.
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| 11/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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In XX/XX/2022 AVANT pre-approved me for a {$2000.00} credit limit, with no affect to my credit score. Once I accepted a hard inquiry was pulled ( a hard inquiry, which hurts your credit ) I accepted because it was a good starting limit ( I had plenty of established credit in good standing ) I used the card once and then paid it off that month. Now I've had the card for 4 months, and without reason or warning I get a letter on XX/XX/XXXX stating they reduced my credit to {$300.00}, they site several excuses, all of which were exactly the same as when I accepted the offer in XXXX. The only difference was that my score had increased. I would NEVER have allowed someone to pull my credit for a credit card with a {$300.00} limit. Now I see all of the other reviews stating the exact same thing. This seems to be standard practice for this company. It is deceptive and ends up hurting your credit instead of helping.
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| 09/30/2022 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Im currently past due with my Avant Credit Card due to 2 consecutive deaths in my family that I experienced in XXXX. Ive still have yet to recover from my financial short comings, however Ive reached out to Avant and advised them such and attempted to work with them in order to not further impact my credit. Unfortunately we werent able to agree on the same terms and I advised that I will work to bring the account to a good standing.
Since that conversation Ive been contacted consecutively by Avant and its now appearing as harassment.
On XX/XX/2022 alone, Ive received a total of 7 phone calls from Avant. For the week of XX/XX/2022, Ive received a total of 20 phone calls. Avant has also went as far as to text my phone regarding the debt after XXXX EST.
Avant is in violation of Fair Debt and Collections Protection Act by the consecutive phone calls being placed on my account in attempt to collect the debt.
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| 05/20/2022 |
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
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Web |
Servicemember |
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On XX/XX/XXXX, I get email informing me that I had open a new credit card and was over the limit. I checked my credit report and it shows a new credit card with a balance over {$3000.00} I called AVANT LLC/ XXXX XXXXl and was informed that their fraud department will look into. I never applied nor any of the three credit agent report that I applied and my credit report was pulled to open this new credit card. On XX/XX/XXXX, I called XXXX credit report and their fraud department need a report from FTC and copy of my drivers licence. Why would not credit card company process an application without no securities checks????? My ID has been stolen. Please help. I would like proof from AVANT showing where this application was submitted and what securities measure was taking to give out this new credit card. I live in the same address for the past 10 years. My cell phone is XXXX and my email address is XXXX XXXX
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| 01/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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Your company broke the law!!!!!!!
Your company is in violation of the following subsection of the Fair Credit Reporting Agency. 15 USC 1681b. Congress makes it clear, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give this company written instructions to furnish anything on my consumer report.
As a consumer reporting agency, XXXXAvant used my consumer report for monetary fees, dues that regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means of interstate commerce for the furnishing consumer reports. Pursuant to 15 USC 1681a ( f )
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| 01/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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THIS HAS NEGATIVELY AFFECTED MY CREDIT AND ABILITY TO MOVE AHEAD IN LIFE. XXXX COMPANIES THAT WERE INCLUDED ON A BANKRUPTCY, WHICH HAS BEEN DISCHARGED XXXX YEARS AGO IN FEDERAL COURT.
AVANT PROSPER MARKETPLACE BOTH FIRMS HAVE CONTINUED TO REPORT THAT ACCOUNT IS ACTIVE WITH AN ACTIVE BALANVE AND IM MISSED PAYMENTS!
BOTH COMPANIES WERE ON BANKRUPTCY AND WERE INFORMED BY MAIL BY MY ATTORNEY AND THE US FEDERAL COURT.
I WANT TO SUE THEM. I HAVE CALLED BOTH COMPANIES IN THE PAST XXXX YEARS TO EXPLAIN WHAT THEY ARE DOING IS BREAKING THE LAW, AS FAR AS REPORTING ACTIVE ACCOUNTS AND ACTIVE BALANCES. I DONT CARE THEY REPORT BALANCE WAS DISCHARGED THATS OK. THIS HAS PREVENTED ME FROM GETTING THE PETSONAL AND BUSINESS CREDIT I DESPERATELY NEEDED AND NEED ESPECIALLY DURING COVID, WHICH CAUSED MY BUSINESS TO LOSE 75 % OF ITS VALUE IN THE PADT XXXX YEARS.
HOW DO I PROCEED WITH LIABLE LAWSUITS?
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| 02/14/2023 |
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
|
|
Web |
|
|
I have a charge on my account that I have been disputing since XXXX on 2022 and the CC company has done nothing to rectify this issue. I have sent them all the information and still nothing. I have been waiting for a supervisor that they keep promising me they will call me and nobody ever does. This has affected my credit score and I have had to put my purchases on hold because of it. I have filed a complaint withing the company and still nothing. I have made numerous calls to this CC company trying to get this fixed and taken notes every time I speak with a rep. I really need to get this fraudulent charge fixed and removed from my account. The company even went as far as decreasing my limit when I made the complaint against them and then apologized a month later to reinstate it back to the original credit limit because they were wrong but they still have not fixed the original issue.
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I paid off this account and closed out the account with final balance which included interest payments in XXXX. They added interest in XXXX and never sent notices but continued to flag my account as late and reported late payment to the credit bureaus the account as being late. I had no knowledge of this balance until XXXX when checking my credit report. This delinquency caused my credit score to plummet by XXXX points. I called them and they offered no resolve saying that the interest came through one month later after the account was paid off and closed. Please see account in reference below.
AVANT LLC/WEB BANK has flagged your account as 30 Days Past Due on XX/XX/2023.
Source : XXXX XXXX : AVANT LLC/WEB BANK Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XX/XX/2023 Balance : {$19.00}
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| 07/28/2021 |
No |
- 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
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|
Web |
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I applied for this credit card and was approved. I was told it would take 7-10 business days to arrive in the mail. After that time had passed, I never received the card in the mail. I logged into the site to ser if I could get a statis on when I would receive the card. Upon logging in, there was a balance. It showed that there was a transaction made the first week of XXXX at XXXX XXXX XXXX. I never received the card, therefore I did not make this purchase. I spoke to a manager at this company and they stated I am responsible for the transaction. I do not understand how they can tell me I am responsible for a transaction on a card that I have never received. It is affecting my credit report and is extremely unfair. I have been in contact with XXXX, and they have already removef it from my credit report. I am having issues with the credit card company, XXXX, and XXXX. Please advise.
|
| 10/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
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|
In XXXX I called Avant to have the annual fee waived and close my account. I had the account open since XXXX, I believe, and never received the credit card in the mail. I never once used the account. I decided I didn't need it any more and wanted to close it. When I spoke to the associate and explained what happened, I was assured that the fee would be waived as a courtesy and my account would be closed. I made sure to clarify 3 times that the fee would be waived.They closed the account but did not waive the fee. This resulted in late fees bringing my balance to around {$110.00}. I've been getting calls every few hours from Avant alerting me that I have a payment due. I called them today to clarify what's going on and why I have a balance to pay, when I was told the fee was waived. They just apologized that I was given misinformation and are still expecting me to pay the balance.
|
| 07/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
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Name on Card : XXXX XXXX SS ending in XXXX Cell Number : XXXX Visa card ending in XXXX Applied for a credit card from Avant.com and received visa card in XX/XX/XXXX, at which time realized for a {$500.00} line of credit, I will be charged {$39.00} annual fee. I immediately called them on XX/XX/XXXX and cancelled the card by phone and letter and requested a refund of the annual fee. However they went ahead charged the fee for a year starting XX/XX/XXXX thru XX/XX/XXXX and took the money from my checking account. The card was never used and they are refusing to refund the annual fee.
Please help us obtain that money. After the fund was taken from my checking account, I spoke to XXXX ( call center overseas ) on XX/XX/XXXX, and was again refused nor would he give me a supervisor to talk to. Customer service number is XXXX I have uploaded my correspondence with Avant representative,
|
| 07/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
Avant- Credit is charging me XXXX late fees even though I have no credit card to use and making monthly payment which just steal XXXX fees I have a {$500.00} credit limit, I made all payment and they just charge late fees Do you job, get off your XXXX and protect Americans The FTC had already XXXX settlement for fraud, why are you letting this company ripped off XXXX XXXX and XXXX They charge are me XXXX late fees this alone at XXXX which is XXXX dollars I think the XXXX XXXX XXXX XXXX this company and conspiring with them to steal from Americans under the protection of government immunity since there are stealing late fees But I guess we can put my case with the XXXX XXXX XXXX since he stealing and the government has done nothing.
XXXX XXXX ask for his government Do you Job and protect Citizens from these predatory companies Payment records included Avant Credit Web Bank
|
| 10/26/2022 |
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
|
|
Web |
|
|
On XX/XX/2022 I opened a credit card account with Avant with terms advertised as {$1500.00} limits. I agreed to and opened the account with Avant doing a hard check on my credit. On XX/XX/2022, Avant reduced my credit limit to {$300.00}. Less than 3 months after opening my account, without cause or any changes to my income, employment, or enough time for Avant to evaluate my spending habits, my credit limit was reduced by 80 percent.
I believe Avant is practicing misleading advertising to entice consumers to sign up for their credit cards, causing hard inquiry on consumer 's credit reports, and after sign up reduce consumer 's credit line to mitigate their risks.
Avant did not state anywhere on their mailer nor their credit card agreement with me that they will reduce my credit limit after less than 3 months. Had I known this, I would not have sign up for their credit card.
|
| 04/02/2022 |
No |
- 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
|
|
Web |
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My credit card company says that I am {$60.00} over my credit limit and it shows a its not even a purchase it just says payment adjustment of {$100.00} when Ive called them they said oh we were where of the problem check back into 2 to 3 weeks nothing is happening at night I just dont understand according to them they say that the transaction was in XX/XX/XXXX but when I look at their website its as XX/XX/XXXX and theyre just very rude they wont explain to me what this is what it means how it became Ive been rebuilding my credit and Im very dillgent and make sure that I do not that my limit and whatever this is just popped up and theyre not seeing the same information that I see on the Internet on their system so I dont know if its fraud on there and what is going on but Id really like to see if theres a way to investigate it. My apologies for the run-on Im using talk to text
|
| 06/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
ON XX/XX/2023, I CALLED AVANT CREDIT CARD COMPANY TO PAY MY BALANCE IN FULL. I WAS INFORMED THAT I NEEDED TO PAY {$470.00}. I PAID THE BALANCE AND WAS TOLD THAT I HAD A {$0.00} BALANCE. ON XX/XX/2023, I CHECKED MY CREDIT REPORT AND FOUND THAT AVANT STATED THAT I OWE THEM {$3.00}. I CONTACTED THE COMPANY AND INQUIRED. I WAS TOLD THAT THE {$3.00} WAS INTEREST. AVANT PLACED THIS INTEREST ON MY ACCOUNT ON XX/XX/2023. I REQUESTED THAT THEY REMOVE THIS BECAUSE ALL INTEREST STOPPED WHEN THE BALANCE WAS PAID. AND, THAT THEY INFORMED ME OF THE PAYOFF BALANCE. I PAID WHAT WAS TOLD AND THAT THEY SHOULD REMOVE THIS INTEREST. THEY COULD NOT EXPLAIN TO ME HOW THE INTEREST ACCUMULATED ON A {$0.00} BALANCE. I SPOKE WITH XXXX, SUPERVISOR. SHE REFUSED TO REMOVED THE INTEREST AND I REFUSE TO PAY MORE MONEY WHEN THE ONUS WAS FOR THE AGENT TAKING THE PAYMENT TO PROVIDE THE PROPER PAYOFF AMOUNT.
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hi my identity has been stolen through the XXXX XXXX XXXX XXXX a doctor 's office as well as my computer has been haked. I made a police report when my home computer was hacked on XX/XX/2021 I made a police report I explained to the officer that my home computer was hacked and compromised. He told me to report the idenity theft to all credit agenices I contacted them and i saw that there was a few accounts opened in my name that i did not open I desupted these account contacted the creditors and they refused to take action leaving these accounts open and they are still on my XXXX XXXX account is called XXXX/AVANT, XXXX XXXX XXXX has a open account in my name and I can not get these creditors to remove these fraudalent accounts off my credit I placed credit monitor and a credit freeze on my account please assist me in this matter I would truely appreciate it Thanks
|
| 03/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Applied for an online loan through the website of the business, on or about XX/XX/2021. Immediately, provided the company with two years of tax returns as requested. On or about XX/XX/2021, was asked to provide a front/back picture of my drivers license along with a selfie, this was immediately provided. On or about XX/XX/2021, I received a couple of daily phone call messages from the business with a heavy accent that was hard to understand, advising me to call in. The business was already provided with everything requested. In fact, I applied at a competitor at the same time, and the loan was fully funded within 2 days of applying.
On XX/XX/2021, the business sent via email an notice claiming your recent application through Avant has expired.
Upon receipt of this complaint, send me a statement of specific reasons why you were not able to offer a loan to me.
|
| 02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
On XX/XX/2023, I contacted the company to close the account following the " Support '' link on their homepage. I received a follow-up email from their support representation, XXXX, XXXX XX/XX/2023 at XXXX ( PST ) in which he described the requirement to simply respond with " I agree ''.
When I posed a simple follow-up question about the terms of closing the account, I received multiple responses that indicated I must call the company. I then responded with " I agree '' - 100 % fulfilling their requirements to close out the account.
Customer support continued to harass me by requiring a phone call to close the account. The company is therefore not following their own policies and procedures for account closures. This is simply harassment caused by me questioning the prorating or elimination of the yearly charge- for NEXT year ( starting in XXXX period. )
|
| 09/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American, Servicemember |
|
Previous CFPB complaint # XXXX resulted in you contacted the company and their response indicated they were working on my issue but it might take 60 days. They made no attempt to delay the proposed payment due date, even though I had indicated it was a fraudulent billing, and I had indicated I would not be making any payment. Now I am receiving late notices and a {$25.00} late fee. Additionally, they have billed me for next years membership fee of {$39.00}, increasing the account balance from {$56.00} t0 {$120.00}. Because of a total lack of Customer Service, I immediately sent an email requesting the account be closed. Due to no response, I sent a follow up email and was advised that AVANT has apparently temporarily or completely shut down it's email service. I need your assistance to close this account so as not to adversely effect my credit score.
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions.
15 usc 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
15 usc 1681a Definitions ; rules of constructions ( 2 ) ExclusionsExcept as provide in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making report
|
| 03/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I. the consumer and natural person. was denied credit by AVANT when I applied for a {$3000.00} personal loan.
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.
Avant- is subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Avant due to the response I received.
Avant is in violation of 15 U.S. Code 1642.
U.S.C 168lm and 12 cfr 1002 because I, the consumer made an application in good faith, but credit was not issued.
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AVANT because XXXX wasnt approved for the loan
|
| 07/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Avant reported a balance that is incorrect to the credit bureaus as of XX/XX/2022. My statement closing date is the XXXX of each month. I made a payment that cleared and posted XX/XX/2022. That amount did not reflect on my credit report update which made it appear that I was using XXXX % of my limit. I made contact with Avant on XX/XX/2022, advising them of this error to which they offered no answers for my questions. I asked how they could report an amount prior to the statement being generated. My available credit is not showing what it should show neither. I also asked how my balance was not updated after a payment cleared on the same day it was made. They could not offer answers. This account is hurting my usage. My statement end date is the XXXX. It reported on the XXXX. The only thing they stated was that the account was being escalated.
|
| 07/28/2023 |
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
|
|
Web |
Servicemember |
|
I have enrolled in XXXX in XX/XX/2023, a nonprofit debt counseling program, to help me restructure my credit card debt, as I have fallen on hard times. I was trying to avoid XXXX XXXX bankruptcy. XXXX sends a monthly payment to this creditor, who accepts it, but keeps charging me late fees and over limit fees. They have also reported my account as delinquent with the XXXX reporting bureaus. XXXX has been trying to work with the creditor to remove the default from my credit reports, to reduce the interest rates, and to accept a lower monthly payment, so I can avoid filing for XXXX XXXX. Instead this creditor is trying to hold my hostage, but charging late fees/overlimit fees/sky high interest rates and strong arming be my reporting I am default/late payments/ when I enrolled in XXXX when there were no late payments or default on my account.
|
| 05/13/2022 |
No |
- 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
|
|
Web |
|
|
I received an alert from XXXX XX/XX/22 saying that a credit card was opened in my name with Avant LLC. I immediately reached out to Avant LLC to report it as fraud. I tried to dispute the inquiry/account to XXXX as fraud, but XXXX rejected the dispute.
I placed a freeze with all XXXX credit bureaus & I am trying to prevent & /or remove any further attempts of inquiries.
Yesterday I received a letter from XXXX XXXX saying the my application for an XXXX XXXX card needed more info as I had the freeze on my SSN.
This morning I received a call from XXXX XXXX XXXX saying it needed to verify some things before beginning the process of the card application.
I have also been made aware that there is an address listed in my XXXX XXXX file that I have never lived at & doesn't actually exist. It says that my name is on the title for the property.
|
| 08/13/2022 |
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
|
|
Web |
|
|
On XX/XX/XXXX and XX/XX/XXXX two fraudulent charges hit my Avant credit card account. I called customer service, the canceled my card. To date I have received nothing in the mail and the charges have not been resolved. On XX/XX/XXXX I received an email notification that my email address had been changed. I called them again. No one gave a $ hit that someone has hacked my account, again! Then on XX/XX/XXXX I received a letter in the mail Dated XX/XX/XXXX that someone had changed my mailing address. I called the fraud department who transferred me back to the incompetent people who you CAN NOT UNDERSTAND in customer service. I told her I wanted a manager and that I would be complaining to this agency. She put me on hold and conveniently I was disconnected. Called back again! Got an email address for a XXXX in fraud to contact. What a joke!
|
| 03/25/2022 |
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
|
|
Web |
Servicemember |
|
A credit card with Avant/XXXX XXXX was opened in my name without my consent. The account was opened on XX/XX/2022. I contacted the company on roughly XX/XX/2022 and said that the card was opened fraudulently and despite my complaint, they would not close the account. On XX/XX/2022 I received an email from Avant and they said they did not have sufficient evidence to close my account despite my complaint. On XX/XX/2022 I received another email where Avant said they closed the fraudulent account due to " Inconsistent account information '' but on the same day I received another email where Avant said that they do not have enough evidence to support that this application was submitted falsely. I am telling them this was submitted falsely and they found inconsistent account information. The account still appears on my credit report.
|
| 07/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I paid off my credit card with AVANT on XXXX the payment was credited to my balance but has not be refective in my available credit.
The representative stated a payment can take up to 10 days to credit my account, but there are no disclosures indicating that a payment can take up to 10 days to show available to use This is unacceptable that funds were drafted from my account the next day and now my funds are tied up because of what??.
I don't understand how you can credit my balance but not make my funds available.
I have ask the company to send me where the policy is disclose to the consumer and they have not been able to provide This is unethical and a misrepresentation of payments. If the fund are credited and posted to the balance & funds are drafted from the account why are fund being kept and held for up to 10 days
|
| 09/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XX/XX/2022 I paid {$4500.00} towards a loan of {$10000.00} that has simple interest.
After applying the payment I have a balance of {$4200.00} My monthly payment should decrease and I should not be charged the full amount of interest as my principal was substantially reduced.
I called on XX/XX/2022 and spoke with a CSR, who agreed with me about the simple interest. He then told me I still owed 35 payments at {$410.00} which is the original installment payment.
In my contract it states that it is simple interest and if I prepay, it will accrue daily.
They are not holding their end of the contract up.
I told him I wanted to file a complaint and he said he would for me.
I asked who he would file the complaint with and he said against the company for me.
Which is XXXX, so I XXXX and found this website to file myself
|
| 11/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of Avant and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. My account with Avant began in XX/XX/XXXX. Since that time, I have enjoyed excellent customer service and benefits and have been happy with Avant. However, in XXXX I fell on hard times due to being very ill as a result I became late in my payments. I wish that I was able to continue with payments in my normal manner during that time and regret that I wasnt able to do so. Following those personal emergencies, Ive worked hard to repair any damage done to my credit and personal financial life, and Im reaching out to you for support in that effort.
|
| 10/03/2022 |
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
|
|
Web |
|
|
CFPB CASE # XXXX AVANT CASE # XXXX I applied for this Avant Credit card earlier this year. I believe around XXXX of 2022. I received the credit card in XXXX of 2022. I ordered the credit card for a trip that I was taking in XXXX of 2022. I did not know that I lost my credit card till I saw over 2k of credit card charges on my credit card in XXXX XXXX of 2022. The first and only time I used the card was at a sabarros in XXXX XXXX in DE to just make sure that the card worked. I believe that is when I lost my card. I called and emailed this company left several messages tried reaching out to them on social media and no one will help me. I also tried getting assistance from you and your company will not assist me. Now I am paying a XXXX bill that I did not make because neither your company and Avant will assist me.
|
| 08/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
So the picture below will show that avant tried to collect on the account after they had closed the account and written it off. Also after I sent them a cease and desist letter they they sold it to the new creditor. How can they collect on a closed account that they sold isnt that fraudulent for double collecting especially an account they no longer own. So the avant account was closed XXXX of XXXX and they tried to collect payment on XX/XX/2022. They sold it XXXX XXXX years after the account was closed. After I had sent them a cease and desist letter on XX/XX/2022. Not only that but the origial loan was for XXXX dollars and I am trying to be collected for almost XXXX that is completely incorrect. The original owner of the account did not honor their warranty either on this mattress that I had purchased.
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX I received a letter from XXXX stating that WEBBANKAVANTLLC was fraudulently opened on XX/XX/XXXX in my name despite having " fraud alerts '' placed with the credit reporting agencies back during COVID-19 XXXX when fraudulent accounts were opened then. I have freeze alerts and fraud alerts in place so I am not sure how this account was able to be inquired and opened. I contacted Avant on Sunday XX/XX/XXXX and spoke with a representative that informed me he was aware the fraud occured and that they contacted the credit reporting agencies to remove the " hard inquiry '' and " tradeline '' however they are still reporting within my credit files. I do not live, or ever have lived at XXXX XXXX XXXX XXXX XXXX NJ XXXX and I believe this is the address used to complete the fraudulent application.
|
| 08/11/2022 |
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
|
|
Web |
|
|
There was a charge on my card I did not make, I called and disputed it immediately, and they replaced the card and eventually it was taken off and I received a letter to call and speak with someone about it, I tried calling multiple times over and over and all I could do was leave this person a message and never received a call back from him, then just like that they put the charge back on my card, I immediately locked the card, I have not used it at all since the fraud happened it has been in a safe locked up, I called again and the lady I spook with said I would be responsible for the charge I did not make and would have to pay it. I told her to deactivate my card and cancel the account with no avail, it still did not happen. This company will not help you at all with fraud or cancelling an account.
|
| 10/23/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American |
|
Avant XXXX XXXX XXXX issues XXXX XXXX XXXX XXXX ) to fair credit consumers @ {$300.00} / credit limit. Charges {$59.00} annual fee ( XXXX yr and increases fee after XXXX -- months.
Irregularities with processing payment ; unauthorized ACH withdrawal from the consumer bank account, once Avant XXXX has consumers bank routing and account number ; consumer is vulnerable to unauthorized withdrawals. The XXXX XXXX customer service number is answered by either entities involved with the ownership or persons trained to confuse the consumer with dates and amounts related to card balance or paid accounts that aren't reflected in credit bureau as paid.
Avant LLC XXXX XXXX could be FDIC state chartered although there are suspicious activities as to how they are managing consumers accounts and bank accounts.
|
| 09/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX and XXXX have repeatedly, several times per day and prior to XXXX tried to call me regarding a fraudulent debt. This debt has previously been taken to court and the case dropped due to complaints about it being fraudulent. XXXX and XXXX purchased this debt and are now constantly calling me from various numbers. Answering the call, there is no response on the other end.
From XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FROM XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX PM XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FROM XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There are also numerous calls by robo callers with XXXX XXXX codes that are more likely than not associated with this company.
Attempts to have them cease calling and contact has not been fruitful.
|
| 02/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by XXXX. d/b/a AVANT. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by XXXX d/b/a XXXX on XX/XX/2022, via email. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by XXXX XXXX AVANT adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), XXXX d/b/a AVANT is now civilly liable to pay me for the damages. Correspondence has also been sent to your company.
|
| 09/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
APROXIMATELY XX/XX/2023, I WAS OFFERED A PAYMENT PLAN VIA CUSTOMER SERVICE ON THE PHONE. PAYMENT STARTED ON THE XXXX AND CONTINUED ON FOR THE NEXT XXXX MONTHS. THE FIRST PAYMENT WAS AROUND {$76.00}, I XXXX AN INITIAL PAYMENT OF {$100.00} ON XX/XX/2023, WITH MY BANK CARD VIA ONLINE CUSTOMER SERVICE.THE PAYMENT DID NOT PROCESS UNTIL THE NEXT DAY AND THE PAYMENT PLAN WAS CANCELLED. I HAVE CALLED AVANT SEVERAL TIMES OVER THE PAST XXXX MONTHS AND NOTHING HAS BEEN DONE. THEY HAVE ESCALATED THE SITUTION OVER 3 TIMES AND ULTIMATELY, THEY ENDED UP CLOSING THE TICKET EACH TIME, GIVING ME EXCUSE AFTER EXCUSE. THE REASON GIVEN THAT THE PAYMENT PLAN WAS CANCELLED WAS DUE TO THE DIFFERENT TIME ZONES, BUT THE CUSTOMER SERVICE XXXX HAVE KNEW THIS, AND SHOULD HAVE SET THE ARRANGEMENT FOR THE FOLLOWING DAY.
|
| 07/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
I obtained a personal loan from Avant, and am now going through a divorce and have lost a significant amount of household income, and am now a single parent. I am unable to pay the extremely high interest rate and payments. I requested that the loan be forgiven or settle for a significantly lower balance. The customer service agent only provided me an option for smaller payments that would further delay the payoff of the loan and continue to collect and unfair amount of interest. When asked to speak to a supervisor or someone else who can assist with a different plan, I was placed on hold for several minutes and then notified that a supervisor would be calling me back. I never received that call. I am unable to gain financial freedom with this personal loan and high, unfair interest rate.
|
| 08/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
XX/XX/2022 I ordered something from XXXX I never received it I called my credit card company Avant and told them that I never received my item they told me it would take 60 days to get in contact with the merchant to resolve this issue. My account was accumulating fees behind this transaction I was told I have to pay the minimum balance or I would have fee on my account I asked for a credit of the amount of the transaction so it wouldnt accumulate fees I forgot what was said. This has been going on for a few months I finally contacted the merchant because they was taking to long to get my money back which I have gotten back but its still late fees on my account my credit card company Avant told me they could only give me a credit for the most recent fee and not for the other past month
|
| 06/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I the consumer have contacted AVANT multiple times asking for the required documentation validating their claim. AVANT has sent back on only two occasions one with an identity theft report and one with a TILA Installment constract. The installment contract is what was created without full disclosure and constitutes AVANT as being being harmful and dishonest and horrible business practices. I have four different Certified Letters that have been sent and returned by USPS as no one is available to accept the letters. They are both valid addresses and directed to mail return mail to the address. I will attach the copies of the returned mail. It is absurd for a business gaslighting consumers everyday to be able to choose not to accept mail. If in fact it was legit there would be no problem
|
| 05/31/2022 |
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
|
|
Web |
|
|
Hello. I have an Avant XXXX that was completely paid off. From the dates of XXXX, {$630.00} was charged to my Avant XXXX to XXXX without my consent. These are all fraudulent charges. There are several issues I have with this.
1. ) Why was I not alerted to suspicious activity? I only found out when my statement arrived in the mail.
2. ) I immediately called Avant XXXX when I received the statement to shut my old card down and dispute charges. I was told that day that it would take 14-21 days before a representative could call me back to discuss charges. Then, it would take 1-3 months after my dispute to receive resolution.
3. ) I was also told by the company that I needed to pay the minimum balance until this dispute was resolved, or Avant would report my card as 30 days overdue.
|
| 08/29/2022 |
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
|
|
Web |
|
|
XX/XX/2022 Disputed {$470.00} did not give me information who it was or a phone number. I got a new card.
XXXX 2022 got a letter put charge on my card. Again not providing any info. I did some investigating. Looks like an airline to XXXX by a company that's been closed. I do not have a pasport and I have never heard of this company.
After Advant sent letter saying it was my charge, I called 10 times, wrote 3 emails, sent a fax and certified mail as what PROOF THEY HAVE have the charge is mine. They never write back and explain what proof they have. IT IS NOT MY CHARGE. I DONT KNOW ANYONE TO BUY A TICKET TO XXXX XXXX
Please help. They are just not responding. I have a new card I have not activated and I paid the bill in full. They owe me XXXX because that charge is not mine.
|
| 06/23/2023 |
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
|
|
Web |
|
|
There was fraud on my account and I reported it when I found out. Even though there is supposed to be zero liability for fraud, they are attempting to hold me responsible for it. They told me to contact their fraud department to find out more, but when I call the number to the " fraud department '' I am told they are just some separate entity that is speaking on behalf of Avant and it is Avant who is denying it and they just do what Avant tells them to do. The representative would not tell me what company she was with and said " I do not know what to tell you about who we are '' and then stated I had to call Avant, to which I stated Avant told me to call the number for whatever entity she is with. She then stated she has no idea why Avant does that, but it is what like to do.
|
| 06/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I called to payoff my account last week and first I was hung up on 3 times once connected. Then I was told I could not make a payment due to my account being flagged for fraud. No one has contacted me regarding any fraud. I did not report any fraud to them. The rep asked for my phone number and asked if I had ever used a different number that is showing up on my account. He could not give me any other info so I requested a call from a supervisor. I called today to check on my request as I have not recd a call back. The fraud issue has not been resolved, nor was it escalated for review during my first phone call. I still can not payoff my account. Their online system will only accept minimum payment amounts not a payoff. I feel they do not want me to pay off my account early.
|
| 02/15/2022 |
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
|
|
Web |
Older American, Servicemember |
|
I've been in XXXX Texas since XXXX, The address XXXX has of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I own but it is currently rented out to a husband and wife couple. The Avant/Webbank Card I never applied for and I have No need for credit since I am authorized to use my childrens credit cards. Please Delete the Fraudulent Account listed below.
Account - - AVANT / WEBBANK Account Holder - - XXXX Account Type - - Revolving Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$330.00} Monthly Payment - - {$44.00} Account Balance - - {$230.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$500.00} Remarks - - - Responsibility - - Individual Account Past Due - 30 Days - - XXXX Past Due - 60 Days - - XXXX Past Due - 90 Days - - XXXX
|
| 07/06/2022 |
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
|
|
Web |
|
|
On XX/XX/XXXX, I logged into my avant- credit card website and noticed 2 charges that I didnt make made on XX/XX/XXXX. I havent used the card since XXXX. At XXXX on XX/XX/XXXX, I attempted to contact the avant- credit card business and was told I had to be transferred to the fraud department l was on hold for over 3 hours with no one answering. I attempted to call the main number back and after the automated response was on hold for over 1 hour. I eventually hung up and tried again. I called another number and spoke with a customer service rep who promptly hung up on me. Throughout the XXXX XXXX day, I attempted to contact the avant credit card company but to no avail. I have attempted to call the avant credit card company over 25 times and had no results or answers
|
| 12/05/2022 |
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
|
|
Web |
|
|
I tried previously to contact Avant Credit Card customer service and received notification from my previous complaint that the problem complained about was fixed but Im noticing today on my XXXX credit report that there is not one error saying late payments or over credit limit with avant but multiple reports from avant going back on my report months and months times so multiple corrections need to be made asap I just made a payment with them via phone today XX/XX/22 and my payment was not even due until XX/XX/22 I dont know why they will not correct this its effecting me negatively on my credit report I tried to get a loan Ive always paid previously with my bank recently and even though previously never late and always paid in time I got denied another small loan
|
| 11/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
This Avant Card i only had for a few months who ever, the company took my line of credit and has stated it is done to overlimit activity, delinquency accounts, too high loan balance,, all information is on the credit report & the card company is looking at my report from the start of covid-19 pandemic and during that time i lost one job & was only late paying three crediter due to that job a lost withholding a pay check. before covid-19 and now there is no report of late payments.
the loan balance was there when i apply for this card from the use of the cards is due to vehicle was in need of major repairs and im currently recovering from Hurricane Ian.
all credit cards has always been paid on or before times.
all remarks is a personal attack on my Character
|
| 06/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
So here is the thing. Ive been trying to work this out since XXXX and nobody is helping me. Customer service has no answers. You can never reach a supervisor and they never call you back. I have sent over 50 emails with no response. I talked to a person at avant that said the company came to the conclusion the card was issued fraudulently. Fine. Now all i want is a letter saying im not responsible for the charges because avant said its fraud. One person tells you one thing and someone tells you something else. The agents constantly hang up on you. My next step is to contact a lawyer because ive had enough. Since avant investigated and said it was fraud i want my name cleared. I want it off my credit and i want the balance settled. This need to be worked out now!
|
| 09/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American, Servicemember |
|
Problems with payments crediting to credit card account, then charged late fees exceeding amount due by XXXX in 5 months '.
The payments never transfered showing no payments were made ; though every month showing I upped the payment by XXXX to cover last month 's fake late fees.
Then when they get my card number send debits that if I had not locked my card ..left me without my monthly social security check .
I've called several times ... I have XXXX long they keep charging me more money every month when I only owed XXXX I'm afraid they will take my car I use to go get medicine n see my doctor.
Please stop the charges please get damages from fake bank fees '. The card is AVANT credit card to help restore n build credit.
XXXX!
Sincerely, XXXX XXXX XXXX
|
| 03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXAVANT XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 06/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I closed the account but the merchant has it as a charge off. This needs to be updated and fixed.
I am a victim of the Florida flood and the creditor agreed to remove this negative account off of my credit report. The creditor is violating FCRA Section 604 and 609. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719.
I only used XXXX $ off the card and the card company charged me over {$200.00} in fees. I called them several times to work out the fees since I am in Florida and keep going through natural disasters. Now they say I owe {$540.00}. I am willing to settle for the amount I used only and not the crazy fees. I will pay {$280.00} to satisfy the account with them but no more than that.
|
| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I paid my balance of {$460.00} to bring the account current to make my credit available balance to {$1000.00}. This payment was made before the statement date so that it would reflect account paid in full for the XXXX reporting to the credit bureau. I called avant and asked why was my account reported XXXX weeks earlier than its suppose to report I was told they dont know and that my score would report around the XXXX or XXXX of XXXX. Its now almost XXXX and my credit report still was not corrected to reflect that account was paid off before my statement date for XXXX. My account should show paid off in full for the XXXX reporting to the credit bureaus. So because they reported my account XXXX weeks later it doesnt show my account with the payment I made.
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Unknown person used my Social Security Number and name to open a credit account with AVANT WEBBANK LLC. using a XXXX address - I have lived in XXXX for 30+ years Avant Webbank LLC refuses to close the account or provide any other ( of my ) personal information that was submitted to them to perpetrate this ID theft.
Avant Webbank LLC will not cooperate except to require ME to provide endless forms and submissions- they also waited over 10 weeks to respond at all to numerous calls and emails.
I even got help from XXXX XXXX XXXX XXXX XXXX - and Avant Webbank LLC refused to work with them as well - they have ignored or delayed any assistance I have provided Avant Webbank LLC my driver 's license ( XXXX ), a utility bill ( XXXX ) and many other documents
|
| 01/31/2022 |
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
|
|
Web |
|
|
On XX/XX/22 I appied for a Avant credit card.It clearly states that no hard inquiry would be performed on my credit file.I check my credit report and there it was.I contacted Avant to have them remove the hard inquiry.I advised the person that I needed to speak with someone about my hard inquiry on my credit report.He asked me for my name which I gave and then my SSN number.I advised him that I would not provide it since I did not have an account with them.He then stated that he had to have it.I asked to speak with a supervisor and he said that he could not do that because I wouldn't give him my SSN.I would like the hard inquiry removed because they stated it would not be a hard inquiry and they falsely represented that and can not get it correct by them
|
| 06/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
Someone applied for a credit card in my name and had it sent to my address. They got it out of the mail when I was at work and then proceeded to put in a change of address to a mailbox store. The only reason I found out was I just happened to check my credit report and seen it. I seen this card that I never applied for as well as an address I never lived at. I filed a police report for fraud and identity theft. I tried calling the credit card company but they would not do anything because I did not have the account number. I asked that how could I have an account number for a card I never opened up it does not show the account number in my credit report. I even disputed this on my credit report but they did nothing. The company is Avant LLC / Web Bank
|
| 02/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Use of my information was reported without my consent. have Demanded the company to correct or remove.
Pursuant XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) subject to section XXXX of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant XXXX XXXX XXXX XXXX ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) subject to section XXXX of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
|
| 08/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I filed XXXX XXXX bankruptcy in XX/XX/2023 which included all my creditors. Avant- emailed to let me know about a {$2200.00} debt I have with them today XX/XX/2023. I called them today XX/XX/2023 and spoke with a rep. by the name of XXXX. I asked her for her agent ID for record purposes and she told me she didnt have one. I verified info for her to access the account I use to have and she explained that even on my account there is an ALERT that states not to contact me per my bankruptcy. I also explained to her that Ill be contacting my bankruptcy lawyer because of this and she didnt understand why. Its illegal to try and collect on a debt that was included in on a bankruptcy. Well they are still trying to get their money from me. It is illegal!!!!
|
| 11/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I called Avant in XXXX because I thought I enrolled in autopay and was charged a {$25.00} late fee so at that time I was ensured I was in enrolled in XXXX. XXXX comes around and I see I was charged {$35.00} for a late fee and they canceled my auto pay payment without me knowing. The agent XXXX that I spoke with said I was sent an email on XX/XX/11 around XXXX that I dont not see in my primary email folder. If it went to my spam I dont look there and automatically delete it if Im not expecting anything. But needless to say I was assured that my auto pay was setup so if they had of taken it out my account my payment wouldnt have been late and I wouldnt be asking for the late fee to be waived. As of today XX/XX/11 I did go in and cancel my auto pay.
|
| 10/21/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
As with other Companies Avant have refused to give me sn affordable settlement and they never did respond to my letter which was sent over 30 days ago. I also included a picture of the letter that i had faxed to Avant. When i reported being a victim of Identity Theft their phone agents falsely accused me of stealing my own identity. HOW DARE THIS COMPANY. I've tried to work with Avant over and over and i was repeatedly given the run around. Instead of Avant doing like other Companies they never replaced my card and they never changed my address or my email address as you can see in the pictures i've included. Avant did nothing to protect my account and made false accusations as well continue to report payments as Past Due to the 3 Credit Bureaus.
|
| 10/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2023 I called XXXX XXXX XXXX XXXX to settle on the debt they brought from Avant Credit Card Company. I asked agent XXXX about the XXXX XXXX settlement offer that Avant sent me to settle the debt and was told that they arent offering that settlement percentage. The percentage they offered was XXXX XXXX off in XXXX payment or XXXX XXXX off on XXXX payments. The total in collections is {$1200.00}, of which I used {$740.00} in credit, {$150.00} interest and an added fee. They added a {$330.00} fee outside of interest added to credit card balance. The agent went on to tell me that they cant offer me anything better because they just brought the debit in XXXX. If they have the debt longer than I may be able to get a better settlement offer.
|
| 01/25/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I applied for a personal loan in XXXX of 2022 and was approved. I got an email saying funds were deposited but I never received anything. I reported it to them several times. They asked for my bank statements to prove I never received them and I sent them. Since then, this has been reported to my credit fraudulently because I never received any funds. I am also getting reminders for payments. I have tried reaching out several times and asked to a supervisor and conveniently, they are never available. I have also filed a complaint with the XXXX. I just want this to be taken care of and taken out of my name. They lied about funds being distributed and are fraudulently reporting information to the credit agencies on a loan I have never received.
|
| 08/09/2023 |
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
|
|
Web |
|
|
Today I received a phone call from Avant about a card that I opened but never used. They asked me for the last 4 digits of my social security number & because I've never used this card, I thought it was suspicious they were calling me and denied giving them my information.
When I got home, I checked my mail to see a bill from Avant showing that there were 14 separate transactions at XXXX, XXXX XXXX on XX/XX/2003 for {$100.00} each. My credit score also took a hit.
I don't shop at XXXX on XXXX XXXX and haven't done so for many months, possibly even years.
I know for a fact that someone used my card, as it is a card I had opened in order to increase my overall line of credit.
I am filing this report in order to get this issue resolved.
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was incorrectly charged finance fees in addition to multiple late fees ( {$29.00} & {$39.00} ) that kept increasing over a period of a month. I've written to my credit card company since XX/XX/XXXX to rectify this billing error. Since I've written them, they have reported one late payment to my consumer report. This is against the law per U.S. code 1681s-2 which states the responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information prohibition ( 1 ) reporting information with knowledge of errors. Furthermore, reporting an experience or transaction between a consumer and the person making the report is also illegal pursuant to 15 USC 1681a 2 ( a ) ( i )
|
| 09/06/2022 |
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
|
|
Web |
|
|
I have had fraud on my credit card XXXX at the beginning of XXXX and most recently my car was broken into and card stolen, I have received letters from a specialist name XXXX at extension XXXX who states that she was reaching out but not able to contact me. She sends letter saying she tried to call me, but this is not true. They have not called me, I even returned calls and always get voicemail, I leave messages and still not get return calls. I send emails and make several calls and attempts to her and she does not return telephone calls or emails. Now I am being help responsible. I can not get through to anyone and keep getting the run around. I need help. Ive had fraud and even made police reports but they dont do anything or take action.
|
| 03/23/2021 |
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
- Their investigation did not fix an error on your report
|
|
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.
|
| 06/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I received a statement today ( XX/XX/2022 ) for an annual fee of {$39.00} for a credit card that I did NOT apply for and never had. The company name is AVANT. The transaction date on the statement is XX/XX/2022. The " account '' number- XXXX XXXX XXXX XXXXXXXX.
I called the company ( XX/XX/2022 ) and was told they had no record of an account in my name and could no really look up the information in their database. They asked for the last 4 digits of my social security number and I refused to give it. I asked to speak to supervisor and was told there was no-one available.
I was told to email XXXX XXXX XXXX XXXXXXXX, which I did. I told them via email, to remove my name from their database and refrain from ALL further communication.
|
| 07/31/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
Avant is intentionally, and maliciously refusing to provide me an online accurate ten day payoff on XX/XX/23. Instead, they informed me I need to schedule a payment. Plus, they intend to mail the payoff, advising me it can take up to fourteen days to receive to payoff letter. Clearly, this company is disingenuous, because I applied on line. Now, they are manipulating the payoff amount. Initially, they say, We are an online company! Now, they can ONLY mail the accurate ten day payoff. Needless to say, their unscrupulous payoff practices allows them to outright lie/STEAL, about the accuracy of the ten day payoff. For example, the ratchet promise to mail the payoff off is useless, by the time I receive it its outdated, more shenanigans.
|
| 07/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
I applied for a credit card to improve my credit score. The card was referred to me through XXXX XXXX. The credit card I applied for and was approved to get is Avant ( product of XXXX ). I was approved in XXXX of 2022, I haven't received the physical card as of yet. I communicated with there customer service a total of 7 times in reference to not receiving the card to no avail. I had two of three cards cancelled due to not receiving them. The third card was issued over 7 days ago and I haven't received it. I have been charged the {$39.00} annual fee without having the physical card. I XXXX Avant credit for reviews and this seems to be a common issue of clients not receiving their Avant credit card. I just want my Avant credit card.
|
| 06/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account should not be furnished on my consumer report nor through your internal system as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.
Avant Personal Loan : {$2300.00} dollars charge off
|
| 07/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received an alert for WebBank/Avant and called them in XX/XX/XXXX to confirm an account had been opened. I reported to them at the time that this was not me and they said that they would investigate. I never heard from them. I had my monitoring service send a dispute letter and complete fraud package including an ID Theft Affidavit, Police Report, identification, etc. on XX/XX/XXXX, XXXX we confirmed it should be sent to : XXXX. I have never received a confirmation that my information was received or that this has been resolved. I resent an inquiry on XX/XX/XXXX with the documents asking for a confirmation that my email was received. I have not heard back. It has been over 60 days since my original dispute with no correspondence.
|
| 03/09/2021 |
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
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
on XX/XX/2020 i apply for a new credit card and was approved and they send it via mail during the course the card was stolen and i received a billing stating congratulations for activating your new card and was used at a XXXX store in XXXX NJ some 10 miles away from my home, so icall the comapny to report i never received the card but it was activated and used the representative made notes and said they will cancel the card and will issue me a new one in which i did reveiced 10 days later. Now they still attaching that {$400.00} dollars used from the stolen credit card. I have spoken and e-mail the company since last year to no results. I am not going to pay for merchandise i nerver bought or a credit card that i have not received.
|
| 07/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received an alert for XXXX/Avant and called them in XX/XX/XXXX to confirm an account had been opened. I reported to them at the time that this was not me and they said that they would investigate. I never heard from them. I had my monitoring service send a dispute letter and complete fraud package including an ID Theft Affidavit, Police Report, identification, etc. on XX/XX/XXXX, XXXX we confirmed it should be sent to : XXXX. I have never received a confirmation that my information was received or that this has been resolved. I resent an inquiry on XX/XX/XXXX with the documents asking for a confirmation that my email was received. I have not heard back. It has been over 60 days since my original dispute with no correspondence.
|
| 10/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I called the company several times and no one would help me. Three weeks ago they said it was closed and under investigation. Then the amount went from {$95.00} to {$140.00}. I never received this card and never used this. I called to just pay it off and they wouldn't let me. I tried talking to a manager but they hung up. I called back and got an email to send them the issue and pay and have not received anything back. I'm trying to get a house and this company popped up on my credit report. Since I never received or used the card they still wouldn't help me. Even though they are in the wrong I just wanted it off my credit report.
Avant is the name of the company and my wife looked up and saw there have been many complaints
|
| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im in a Direct Violation of The Fair Credit Reporting Act XXXX : ( XXXX ) Avant LLC/ WEB BANK ( XXXX ) XXXX ( XXXX XXXX XXXX : ( XXXX XXXX ) has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly stated that I have the right to privacy.
15 U.S.C1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.
Please Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting ACT/
|
| 02/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a federally protected consumer and I am fully aware that this company, Avant XXXX, is in violation of my rights. As of XX/XX/2021 I sent out a notice to Avant demanding a cease and desist through any and all mediums as well as consumer reporting agencies, I also enclosed a debt validation pursuant to 15 usc 1692g, Furthermore, I am aware that this company did not adhere to the subchapter or my demands and is therefore in violation of my rights. I am saddened to see that this company is still harming consumers by exercising unfair, and deceptive business practices and I may never do business with Avant XXXX again. Please refer to the attachments to see receipt of the notices, as well as the history of noncompliance.
|
| 12/09/2022 |
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
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Web |
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On XX/XX/2022 I noticed that my credit card statement it was charged with {$310.00} worth of things that I didnt purchase on XX/XX/2022 with a card that I didnt activate because I lost my card after I paid it off in XX/XX/2022.
I called on XX/XX/2022 and started a claim for the fraudulent charges and they assigned the claim case to XXXX. Ive tried contacting XXXX 3 times and left 2 voicemails within the past 3 weeks and havent received a phone call back.
Today I find out XXXX stated in the system that he tried contacting me on XX/XX/2022 ( he didnt call or leave a voicemail ) and he closed the claim stating that it was wasnt any fraudulent charges with a card that I never activated.
Please help me with this this.
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| 09/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I made a payment for XXXX to Avant card services on XX/XX/2022. I made one purchase for approximately {$15.00} and thereafter my funds were inaccessible. I was told the company was having issues on their end and would notify me when my funds were available. I never received a email. About two weeks later I was able to use my card, and I did. On XX/XX/XXXX, avant said they returned my payment. Today is XX/XX/XXXX and My bank ( XXXX ) has no receipt of a returned payment. I have called Avant four times to resolve this issue and ask where the returned payment was sent to and they did not provide this information. I also emailed them on XX/XX/XXXX my bank statement, to show my payment posted to my account on XX/XX/XXXX.
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| 08/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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A fraudulent charge was added to my card I called Avant right away they got the charge removed from my balance it was a {$100.00} charge the very next day there was another {$100.00} charge on my card I called them several times to try to find out what it was finally they put me in touch with somebody in the fraud department I called her XXXX times and never got one return call meanwhile charges are adding up from this {$100.00} the payments and the late payment so finally one day after calling the fraud lady again the next day the {$100.00} was off of my balance however the accured money from that {$100.00} was still on my balance since then they have reported me to the credit bureau for money I do not owe them
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| 08/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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I received an email in XXXX that a credit card had been opened with this company. I did not open this card, I did more research to find out someone stole my identity. I called this card company to dispute these charges and let this know I was in the process of trying to fix this. But they have denied my claims. I need help in getting these charges off my record and completely closing this card down. I have filed a police report and an IC3 report, this was something the company asked me to do. They are no longer responding to me. I have frozen all accounts and filed complaints with the Federal trade commission and social security admin office. I believe the amount stands at somewhere around {$210.00}.
Thank you
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| 11/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Problem getting a working replacement card
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Web |
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Credit Card from AVANT was sent to incorrect address, when corrected they stated they reissued the card on three different phone calls, card was never received or activated but they still billed the annual fee and put this as an open account on my credit report. Credit companies refused to remove it. I called several times regarding the {$39.00} annual fee they said I wasnt responsible for it because I didnt have a card but wouldnt put it in writing, wouldnt remove it from the account or my credit report. I had to cancel the account its been over a month back and forth with them. This place has shady practice, Ive never had a card show open until I actually activated the card. I never received a card from AVANT.
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| 05/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/2022 I received an e-mail with approval for an unsolicited AvantCard credit l9ine of {$750.00} for which I did not apply. I then received a second e-mail stating that there was a discrepancy in the address used on the application not matching with my credit report.
An inquiry is now on file with my credit report.
I received a 3rd email on XX/XX/2022 at XXXX XXXX welcoming me the Avant Card services and received a card member agreement electronically.
And finally, a 4th e-mail was sent on XX/XX/2022 at XXXX XXXX stating that my loan application was denied.
I never applied for credit with AvantCard. I contacted the company and started a fraud case, but have yet to hear from their fraud department.
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| 02/02/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This debt was awarded to my ex-husband, XXXX XXXX, in XXXX of 2021. I provided the company and the collection agency with the divorce paperwork asking t Them to remove it from my credit. No response from either company. In XX/XX/2021, I contracted with a credit repair agency to get this taken care of. They have sent multiple letters to avant and absolute resolution, the collection agency on my credit report, with no response and they have not removed it from my credit. I do not know what to do to get these people to take this off of my credit. I have sent them legal documents, the credit repair agency has sent them multiple legal documents, and they are doing nothing that late they are legally obligated to do.
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| 07/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I recently applied for the Avant credit card from a mail in offer. My card has been declined for absolutely NO reason at all. I also have trouble accessing my account online and through the app. I have called and called and called and no answer until this morning. The Avant representative told me that many customers are experiencing the same issues as I am and they do not know when the issue will be fixed! I have only had this card for 2 weeks and I am ready to burn it!! Todays date is XX/XX/2022. I finally reached a representative for this credit card this morning and told them I am very unsatisfied with the card because I can not use it anyway! Please help.
Many customers are experiencing similar issues.
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| 04/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Servicemember |
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Beginning the end of last year into the first few weeks of this year, I was XXXX as a result of complications due to XXXX. Given that I was out of work and fighting for my life, I fell behind on my credit card obligations. Which included the credit card I hold with Avant. I was assessed a {$25.00} late fee on XX/XX/22 and a {$35.00} late fee on XX/XX/22. My account has since been brought current and I requested to have the late fees I incurred waived due to the unforeseen circumstance. I was denied and also spoke with a supervisor all to no avail. I wasn't even alloted a courtesy waiver of one fee. Which is a customary pratice among credit cards. Their response to their customers ' plight is reprehensible.
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| 06/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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My name is XXXX XXXX and I am having issues with my Advant credit card. I contacted them to set up a payment plan and let them know I can only afford XXXX a month right now. Their answer was first month XXXX, next month XXXX, next month XXXX. This is way more than I can afford so I am making the XXXX payment every month. The problem is they are charging late fees and interest totalling XXXX a month and it goes higher every month because of the interest. I really want to work with them and catch this card up. This is the only company out of the 11 we have called that is not working with us. Any help with this would be amazing.
Avant Balance : XXXX Minimum due:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX Email XXXX XXXX To whom it may Concern You are in Direct Violation of The Fair Credit Reporting Act ( AVANT LLC/WEB BANK & XXXX XXXX has violated several of my rights.
15 U.S.C 1681 section 602. A. Clearty states that I have the right to privacy.
15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agenc can not furnish an account without my written instructions.
15 U.S. C 16668 : A creditor may not treat a payment on a credit card open-end consumer credit plan as late for any purpose.Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
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| 02/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , Illinois XXXX XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Avant On XX/XX/2022. I applied for The Avant credit Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Avant has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
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| 12/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I had a dispute with XXXX over charges to my account. The dispute was not resolved and XXXX charged my credit card without my consent. The charge amount was {$160.00}. I called and reported the dispute to my credit card company - Avant. They briefly took off the charge amount, then added it back. I called the company and they said they could not help me and gave me the number to a " specialist '' that was handling my account. I can not get through to a live person at this number. Left messages - this does not even sound like someone that works for the same company based on the voicemail. Now my account is over the limit due to this reversed charge.
AVANT CREDIT CARDs - terrible customer service.
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| 11/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
Servicemember |
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How you doing my name is XXXX XXXX I've been an Avant credit card holder for about five months or more. I received a limit of XXXX because I have above 650 credit score. My credit card was lost and at that time it had {$1600.00} available credit. I notified the credit card company they cut that one off and sent out another card. When I get the card I go to activate it and it's only a {$250.00} limit on it and they charge me {$50.00} for annual fee and never explain why they took all my credit away I have things to do and this was totally unfair cuz my credit score hasn't changed anything so I would like to sue them for {$50000.00} for messing with my time and messing with my flow of business
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| 04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Avant opened a account online for someone using my information. They then sold off the account. I ask for proof of owner and verification they informed me that they didnt own the account so they couldnt send me copies of the contract showing my signature or the information listed on the account. However they insist on reporting to the credit agency. Even though they dont own the account, nor can they produce any documentation. XXXX refuses to remove the information from my report even though I have shown proof that the owners of the account states they arent reporting this to the credit bureaus. Was told theyre not obligated to assist me. Nor are they obligated to look at the document I sent
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| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing this letter in hopes that the CFPB can help me finally resolve this dispute. I received a copy of my XXXX and XXXX credit report and noticed a few discrepancies with how Avant is reporting this account to XXXX and XXXX. I've asked Avant several times to correct my report but they have continuously refused to report this account accurately.
This account was paid in a settlement on XX/XX/2018. There are several discrepancies with how Avant is currently reporting this account to XXXX and XXXX. I am requesting Avant to thoroughly investigate the discrepancies of how this account is reporting to XXXX and XXXX or delete the entire tradeline which contains discrepant information.
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| 01/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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On XX/XX/2022 I filed a complaint stating that I received a credit card from Avant and the following day they reported it as fraud. During the investigation period and after I continued to make my monthly payments. On XX/XX/2022 I received a response from Avant stating that the investigation had been completed and that I would be able to use my card again. In XX/XX/2022 I attempted to purchase gas and the card was declined, I contacted Avant and was told that the card had been closed due to fraud. This account still shows open and active on my credit report. No payments that were made on this account was credited and I am unable to log in so that I can attach the payments history.
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| 01/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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I called this company called avant.
Avant customer service is HORRIBLE!
One thing they cant assist me because they dont speak XXXX? Ok first of all how I am supposed to communicate with them. I translated this through XXXX translate to write this review. I only speak XXXX. So they refuse to help me. They are HORRIBLE people. And on top of that they hung up on my daughter as she tried to assist me.
How can a agency not provide the appropriate help when calling. What kind of credit card is this. Please never ever get this card. I never actually received card in mail its been 3 weeks no resolution no help now what. I will not pay no annual fee for what a dare that was NOT received
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| 07/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX there was XXXX charges for {$90.00} on my credit card that I did not authorize at places I do not recognize. On XX/XX/XXXX, there were XXXX charges for {$98.00}, and XXXX charge for {$99.00} that I did not authorize at places that I do not recognize. Ive called the company many times only to be put on hold for 30-45 minutes. Ive spoke to one person who transferred me to someone else. They emailed me saying it appears the issue has been resolved, but the charges are still on my card, and now the card is over the spending limit and theyre telling me I need to pay down my card. I got this card a few years ago and Ive used it very few times only to help my credit score.
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| 09/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Loan payment wasn't credited to your account
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Web |
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Loan taken XX/XX/XXXX for {$1300.00} first monthly installment was XX/XX/XXXX ( I believe ) for XXXX automatic deductions from my bank account. This continued until XX/XX/XXXX every XXXX or XXXX of the month. Last payments were XXXX for some reason this loan was sold to XXXX XXXX XXXX. XXXX attempted to sue me in XXXX, XXXX and the case was Dismissed. They filed suite against me on behalf of Avant again in XX/XX/XXXX ( I was not notified ) default plaintiff warrant in debt for XXXX. Sued again in XX/XX/XXXX on behalf of Avant for XXXX not notified and defaulted plaintiff warrant in debt. Again Im XX/XX/XXXX ( again never served ) XXXX for garnishment and the case was dismissed.
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| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have a few credit cards on my account that tried to work with the consumers by paying some that were mine and trying to resolve what wasnt mine a fair resolution would be to remove from credit its old its a back and fourth situation and it has to have an end XXXX XXXX XXXX {$740.00} / XXXX XXXX XXXX is attached to them also first progress $ XXXX avant- credit card $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for $ XXXX XXXX {$570.00} just a bunch of cards just used under my name I need serious help in getting some of this deleted and me calling them and paying for now 7 credit repair companies Im tired and this is my last place to look for help thanks to whom this may concern.
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| 10/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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I live in NJ and the law for this state says that a company can't charge more than XXXX XXXX for a personal loan. Avant is charging me XXXX XXXX which is violating ursury law. I'm entitled to all intrest paid to be counted towards the payoff of the loan. After talking to them they cut my payment from {$430.00} to {$250.00} per month, but still never changed the XXXX XXXX rate to under XXXX XXXX And if you look at the credit reporting for this it has alot of missing information as though there trying to hide the fact of over charging me. They don't even post a payoff date. I notified them of what there doing is wrong early into the loan. But they refuse to make things right.
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| 01/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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Avant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Six months ago, I was approved for a {$4000.00} loan, payable on the XXXX of every month in the amount of {$140.00}. Although I made a payment before the first due date the balance has not decreased much. In addition, I made payments prior to due date in the amount of {$150.00} per month. The creditor would often deduct the {$140.00} instead of the {$150.00} which I authorized ; whereby, preventing me to pay loan off sooner. I have never seen the original loan document with scheduled payments, I tried to refinance the loan to get a lower interest rate but was denied a few months ago.
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| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I was made aware that avant- was showing up on my credit report. However Ive never done business with them. I contacted them only to learn that a account was established using my name social security and other personal information. I contacted them informed them this account was a fraudulent account. I latter learned that the loan amount was {$3100.00} and that XXXX was payed back to them. Ive advised them that it didnt matter cause it wasnt mind and requested proof of verification and identity. To see how the account was established was told it was established online but they cant provide me with the documents I requested. And wouldnt be removing this information
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| 02/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I applied for this card in XXXX. After a few months of not receiving it, I called ( XX/XX/XXXX ) they said they will report it lost and send a new card. A week later I received a card, activated it and went on vacation to Florida tried using it but was declined. I called again and was informed that card was the original lost card and the replacement card was still on its way. I never received the replacement card! I called again in XX/XX/XXXX and told the representative to cancel the card. They said they would report it to credit. In the mean time I received a bill saying I owe money but the card was never received or activated and should not have a balance owed!
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| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
Servicemember |
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I FILED A COMPLAINT AGAINST AVANT CREDIT CARD SERVICES IN REFERENCE TO AN ADDED FEE ON MY ACCOUNT AND THEIR INABILITY TO EXPLAIN WHY IT WAS POSTED TO MY ACCOUNT. I HAD CALLED ON XX/XX/2023 AND PAID MY ACCOUNT IN FULL. I RECEIVED AN EMAIL FROM THE COMPANY STATING THAT I REQUESTED THAT MY ACCOUNT BE CLOSED. I NEVER MADE THAT REQUEST. I REQUESTED THAT THEY REMOVE THE FEE THAT HAD BEEN PLACED AFTER RECEIVING PAYMENT. I DO NOT FEEL COMFORTABLE RESPONDING TO THEIR EMAIL BECAUSE OF THE LACK OF TRUST THAT I HAVE FOR THEM TO DO THEIR JOB. MY ACCOUNT IS PAID IN FULL AND I DO NOT WANT IT CLOSED. CLOSING THE ACCOUNT WILL DAMAGE MY CREDIT SCORE AND I DO NOT WANT THIS.
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| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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This Person ( AVANT LLC ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to. THEY HAVE VIOLATED MY RIGHTS ALSO UNDER THE FDCPA UNFAIR PRACTICES. AS STATED UNDER THE CIVIL LIABILITY IN THE FDCPA, AVANT ARE LIABLE FOR A FINE UP TO XXXX XXXX DOLLARS FOR EACH VIOLATION. AS I HAVE DOCUMENTED EVIDENCE UPLOADED.
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| 02/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell AVANT LLC/WEB BANK to verify the items I had identified as inaccurate or incomplete in my credit report.
Copies of my correspondence are attached for your review.
AVANT LLC/WEB BANK Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed.
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
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| 06/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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|
CEASE AND DESIST AVANT Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Remove all remarks or comments off my consumer report.
15 USC 1666d ( c ) XXXX out on my open ended consumer plan balance monthly.
Deletion from all consumer reports.
Best regards, XXXX XXXX XXXX Attached proof of identification stands for all communication during this case.
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| 05/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I paid off my charged off account with AVANT in XXXX 2021. They continue to report it as a charge off and late/past due every month. How can I be late or past due when I owe nothing? I was under the assumption based on my agreement with them once I paid my entire valance I full ( which I did XXXX my obligation was fulfilled. They continue to report monthly that I owe them money with a past due balance negatively on my credit report every month as a current charge off. I would like this to be fixed. This is negatively impacting my credit.
I no longer owe money. I am not late Or past due. This is false information and I fulfilled my entire balance.
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| 03/08/2022 |
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
|
|
Web |
|
|
In XX/XX/2021 I received marketing material from avant- credit card advertising {$750.00} credit limit credit card that would double in available credit if I made 6 timely monthly payments which I did.
I requested a credit limit increase just like the advertising material said but was denied.
After this I waited until month number 8 to request a credit limit increase and was denied, the reason given was that I had applied 30 days earlier, so I called customer service and explained it had been more than 8 months of timely payments and they werent holding their end of the agreement. Nothing was resolved.
That is why I am submitting My complaint.
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| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am submitting this complaint without any influence and without any third party. On XX/XX/2023 at XXXX I faxed my letter ( see attached document labeled AVANT LETTER OPT OUT ) to Avant requesting proof that Avant followed the conditions required by the Gramm-Leach-Bliley Act to respect my privacy and protect my nonpublic personal information and notifying that I am exercising my right to opt out of credit reporting since they failed to do so. Avant responded by email ( see attached document labeled AVANT XXXX ) and did not address my concerns nor did AvanXXXX provide any proof of following the conditions required by the Gramm-Leach-Bliley Act.
|
| 10/04/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
I put in an application 4 business days ago, when I was contacted they asked for more information, but could not give any information about the status of application.
When I asked the agent who specifically told me they were the loan officer for their NMLS # in order to confirm who they were, they refused. I was asking for the information because the call seemed off.
The person went back and forth and wouldn't give me any info on the company or status to withdraw the application.
They wouldn't withdraw my application.
I asked for a supervisor and was hung up on.
Agent on the phone was named " XXXX '' phone number called from was XXXX
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| 05/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
Card was mailed on XX/XX/2022. As of XX/XX/2022, I had not received card. I called and spoke with a rep who advised of a reissue. It is now XX/XX/XXXX, and I have still not received a replacement card. I now have a statement with a {$39.00} fee due, that they will not waive, although I have no active account. Only resolution I am receiving is to be issued another card with a 10-15 day wait. I am being told the reissue can not be expedited. This is absolutely unacceptable and a poor way to begin business with the organization. How am I responsible for paying fees on a card that I have never received nor activated? I feel like I am being scammed
|
| 12/11/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
I purchased an outdoor cleaning product thru XXXX back in XX/XX/. On XX/XX/XXXX the company provided information to XXXX who passed it on to the consumers of a health and safety hazard with the spray handle from the US Consumer Product Safety Committee. I contacted Avant on XX/XX/XXXX and requested for them to refund the purchase for this product due to this product issue and they refused to do so stating it was past the 60 day deadline. I repeated myself and told them that an exemption should be made since it was for a product that was found unsafe to use. The amount for approximately {$70.00} which is not a small amount for this product.
|
| 04/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have tried to make my credit card payments about 4 times now. I was trying to pay my credit card off in full but my payment was returned to me on 2 occasions. I reached out to the Avant customer service and they advised they only take credit card payments on the XXXX of the month. It didnt make much sense for them to to my take payments on the first but I agreed and asked them to schedule a payment for me. When payment time came I got another message saying my payment did not go through though there are funds in the account I tried to pay with. I have other credit cards Ive no problem paying but this one never seems to take my payments.
|
| 10/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
long story short at one point I was financial problems to keep up with my loan. there are late payments shown on my credit report. I had XXXX left to pay on my loan. I paid it all off and asked since I am paying my entire loan amount up front can we remove the late payments from all credit reporting agencies they have retorted too. they said no. I said please remove the negative feedback as I am paying my loan off entirely. They are not willing to work with me. the whole point for this is because I was trying to refinance my home. and this is what is messing everything up. because it shows on my credit reports. Can you help me please.
|
| 05/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
On XX/XX/XXXX I recieved a email from avant. I never received a card and it was marked as fraud. I was told the matter was handled multiple times XX/XX/XXXX I recieved a past due notice from avant about the same account stating I owed them XXXX dollars even though there was no account no credit card issued or turned on and it was marked as fraud 2 years prior. I've emailed and called multiple times and nothing is being done.
For clarity I didn't have and avant account I do not have an avant account yet I am getting pass due notices for an account that didn't exist and was supposed to be fixed with the fraud department 2 years ago
|
| 09/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
I was told today XX/XX/2023 that someone showed up at my mother 's house which is also where I live and stated that they were doing a wellness check.
This is so far beyond outside the scope of any person let alone any business to be doing if they do not know me. It is unprofessional and it is unacceptable for any reason whatsoever.
I want the information of the person who did this and I want my account to be XXXX out or I will be taking this information to an attorney due to the mental and emotional stress and having to miss work to go to the commissioner 's office and to the sheriff 's office to figure out what was going on.
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act these creditors has violated my rights under 15 USC 1681 section 602 states. I have the right to privacy 15? USC 1681 section 604a section 2 it also states. consumer reporting agency can not furnish a can account without my written instructionsUSC 1681 section 602 states. I have the right to privacy 15? USC 1681 section 604a section 2 it also states. consumer reporting, agency, can not furnish a can account without my, written instructions, under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 12/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
I applied for a card with Avant in XXXX of XXXX they approved and mailed the card - my mailing address was originally wrong as I never received the card. They have since updated my address and I still to date have not received the card I have since called every month and they reissue I never receive the card. They escalated it and still nothing not sure what more to do - I recently received an email they were going to cancel the account for inactivity. I just called again today filed a third complaint and they reissued the card again. I can not give you the card number as it not been delivered the last 4 are XXXX last 4 SS XXXX
|
| 11/04/2022 |
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
|
|
Web |
|
|
I contact Avant because I paid early for my credit card on XX/XX/XXXX instead of XX/XX/XXXX. Avant charged me a late on XX/XX/XXXX for paying early and it made went over {$18.00} which I paid. Now Avant is charging me {$42.00}.
Avant is charging me a late fee for making a payment on XX/XX/2022. My bank account demonstrates I paid Avant on XX/XX/2022, my payment is due XXXX XXXX. Then they charged me a late fee on XX/XX/2022.
Then it went over {$18.00} which I paid now they want me to pay {$42.00} which is unfair and deceptive practice because I paid early. They are trying to enrich themselves with interest and late fees.
|
| 03/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Avant Credit Card has reported this account as Charged Off repeatedly since 2020. Per the FCRA, an account can only be charged once and reported once. Also, in XXXX of this year, Avant reported a late payment. A closed and Charged off account can not report a late payment, as the account is " dead ''. I attempted to resolve the issue with XXXX, but received a letter that the account would simply update as closed and the issue was resolved. I then sent an email to Avant, attempting to resolve the issue, but I did not receive a response. I have tried for 3 months to resolve. This has caused my home closing to be delayed twice.
|
| 04/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, XXXX and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 11/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Customer ID : XXXX. App ID : XXXX, applied for personal loan for XXXX at 36 months. I have attempted to complete the verification task of my drivers license and selfie over 6 times. I am very computer literate. When I get to the stage of taking a selfie, I attempt to take a picture of my face in the oval box as instructed. IT never works, it always claims no face detected. I tried this on 4 different devices all with the same results. Attempted a phone call on XX/XX/XXXX to XXXX, the call was very frustrating with the overseas representative and the poor connection. Obviously, a glitch exists in your computer software.
|
| 12/17/2022 |
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
|
|
Web |
|
|
I have a credit card with Avant I have over {$500.00} in fraud charges. I can't seem to get anyone to take my fraud dispute. After over 20 calls and hours of my time I have not spoken to anyone that has taken the disputed charges. They keep telling me I have only one person to speak to gave me a phone number and ext and only can leave a voicemail no one calls me back. There is 9 charges totaling over {$500.00} now that are charging me interest and want me to pay payment. I refuse to pay for fraudulent activity 2 months is extreme to me and still have not even been able to tell them what charges I am disputing.
|
| 07/05/2022 |
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
|
|
Web |
|
|
I found XXXX charges for {$95.00} on my account when I checked this morning [ XXXX ]. They were all made on Saturday XXXX. All reference a city in Idaho with a random name attached. I have been calling the company but each person says they send everything to one department and nothing else can be done. The department leaves me on hold for hours and never answers. It hangs up on me at about 1.5 hours. I am currently on hold and can hear the person shuffling and a dog barking behind the hold music.
According to the credit forum this is going on with several other cardholders so I believe it is a breach.
|
| 02/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have sent multiple disputes and complaints about this account I have paid it in full and the representative agreed once paid settled they will remove it off my credit report. it is still on my credit report and is showing as if it hasn't been paid off it is showing a balance of {$2900.00} on my XXXX credit report. I have proof that I've paid this settlement balance off by check I will upload the proof this has been reporting on my Credit report and inaccurately for over a year which is preventing me from getting credit from other lenders and messing up my reputation.
Loan ID XXXX CUSTOMER ID XXXX
|
| 07/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I closed my account with avant- in 2021 because I was incurring charged on a card that I was not using. I closed to account while making payments to XXXX XXXX my balance but the company is consistently charging me interest and monthly fees on a closed non active account. I asked if my account could be sent to collections so I can pay my balance off and they told me my account could not be sent to collections because it has a balance that will always be there because they keep charging me. The balance on the card is more than the {$300.00} credit limit I was approved for the balance is now {$570.00}
|
| 11/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In XXXX XXXX I found out an account with avant credit card was open up in my information, {$300.00}, yet only {$50.00} used, showing as of XXXX XXXX up to {$110.00}, contacted company to report an fraudulent account, all the document was sent and I received an email XXXX XXXX that the account will be removed from my credit report. XXXX XXXX I notice it still on my credit but closed, however avant is still reporting to my credit late payments. I sent an email to the address that was giving to me they that taking care of and got no respond from there and still on credit. Id like to get that taking off.
|
| 12/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I requested my account be closed appropriately XX/XX/XXXX, Avant credit services to set up a payment plan. They said that I asked for a payment plan on XXXX of XXXX and that I had to wait 14 days for someone to contact me. They never contacted me.
I called again today and they are asking me to wait another 14 days. During the waiting time I'm accruing more interest because they will not close my account.
I paid my bill up to XXXX of XXXX so the payment plan was not Intiated by me.
I just want to pay my bill and I have been unemployed since XXXX, due to health problems and am on XXXX.
|
| 06/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I mailed a check to Avant LLC on XX/XX/2022. Avant LLC cashed my check on XX/XX/2022. However, Avant LLC stated they had not received a payment as of XX/XX/2022. I sent Avant a copy of my check on XX/XX/2022 as proof of payment. I received a conformation email on XX/XX/XXXX stating that they received my documents. I called today, XX/XX/2022 asking to speak to a supervisor and I was told no supervisor was available. I was also told this on XX/XX/2022 when I called. On today, XX/XX/2022, I was then told Avant LLC do report to the credit agency and that interest and fees would still accrue.
|
| 06/03/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
In XXXX of 2021 Avant card closed my credit card with an explanation of " they felt I would not pay my balance '' at which time I was not DELINQUENT, or late. Nor had I been. My monthly payments had ALWAYS been way more than the monthly minimum. I have made several calls to company, they say I have to send emails to XXXX ... that they have no answers. I have sent NUMEROUS emails which have just been ignored. I have had card for going on two years. This closure has NO basis and has adversely affected my credit. It's clear looking at my history and credit this account has always been paid.
|
| 11/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone fraudulently opened a credit card with Avant bank in my name with my social security number on XX/XX/2022. This caused my credit score to drop. I found out about it when I looked at my credit report last week. I contacted Avant bank and they told me they were aware it was a fraudulent account and it had already been closed in XX/XX/2022. I contacted XXXX to dispute the Avant card and also dispute an address on my credit report in Pennsylvania that was not correct. They are working to correct this. I also notified XXXX and will contact XXXX. XXXX advised me to report this to you.
|
| 12/01/2021 |
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
|
|
Web |
|
|
In XX/XX/2020 I received a bill from a credit card company. Avant. I have never applied for, had possession of or made an inquiry for this credit card. I called Avant several times. They wanted my personal e-mail, address, home phone etc. When all was said and done Avant would not close the account. I am still getting a bill every month. Again, I do not have physical possession of this card. So basically, this credit card is on my credit report and it should not be.
The following is the only information I have about Avant : Avant XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX number XXXX
|
| 01/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
Per my request, Avant , LLC or XXXX XXXX has failed to close my account, going so far as to deny the dispute I sent in through XXXX. The account is current with no past due amount or pending charges ; I sent in a request to have the credit line increased to improve my credit, they denied the request, so I want the account closed immediately.
The credit card they sent out doesn't work anyways, when you try to use it, it immediately says that suspicious activity has occurred and that you must contact them, which I have no interest in jumping through hoops to use their subpar services.
|
| 06/12/2023 |
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
|
|
Web |
|
|
I have two charges on my credit card that do not belong to me. I disputed with the credit card company. Months later they appeared on my credit card again. I never received any calls or correspondence regarding this matter. I don't know what occurred to make the charges reappear because the credit card company never contacted me. When I called to try to dispute the charges again, they tell me I will receive a call back but they never call me back. They do not file a dispute when I call just a promise vto call back.
The two charges are : XXXX on XX/XX/2023 XXXX XXXX on XX/XX/2023 XXXX
|
| 05/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Avant , LLC - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Avant credit card company needs to be sued for un professional practices.
My accounts been closed for over a year. Ending balance was XXXX I owed when i closed my account. I've been making monthly payment on this for XXXX dollars a month on on time. They wait till I owe XXXX dollars left then start having problems with there website or cant get a hold of nobody. reporting late payments on my report.
This account is closed and Im still getting high interest charges on a closed account every month. I will be looking into legal Counsel.
|
| 06/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I did a Credit Sale with Avant roughly around XXXX, recently I was notified by an unauthorized company that they had been granted a summary judgement. I was not aware that my account had either been sold or assigned unlawful. The original creditor is in violation of the Truth In Lending Act pursuant to 15 USC 1601 and they both are in violation of 18 USC 1028A Aggravated Identity theft.
I am demanding all parties to Cease and Desist all unlawful activity. In addition, I am requesting pursuant to 12 USC 5561 ( 4 ) Documentary Material of the alleged obligation.
Sincerely XXXX XXXX
|
| 12/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
I AM VICTIM OF IDENTITY THEFT.
ALL MY PERSONAL INFORMATION WAS EXPOSED IN A NUMBER OF DATA BREACHES DATING BACK FROM XXXX TO CURRENT.
I HAVE BEEN COMPENSATED IN CLASS ACTION LAWSUITS AGAINST XXXX AND XXXX. DUE TO THE CURRENT ACCOUNTS FRAUDULENTLY OPENED MY CLAIM WITH XXXX HAS BEEN EXTENDED POLICE REPORTS, COMPLAINTS AND AFFIDAVITS HAVE ALL BEEN SIGNED BY LAW ENFORCEMENT AND A CREDIT FREEZE HAS BEEN PLACED.
THE CREDITORS I LISTED HAVE ALL BEEN DISPUTED WITH CREDIT BUREAUS BUT STILL REMAIN ON MY CREDIT FILE EVEN WITH ALL OF THE SUPPORTING DOCUMENTS.
ATTACHED IS THE FTC REPORT
|
| 02/23/2023 |
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
|
|
Web |
|
|
Hello, my name is XXXX XXXX I had applied for this card and at the time I was living at a X house in which the car was sent to my old address and I believe that my ex use my car and maxed it out. My ex had my new address and never tried to return the car to me I contacted the credit card company informed them about the situation. I was told to dispute the transactions, but later found out that they said that I was responsible for the charges I believe that this is truly on fair as I did not make any of these purchases on this card it should not be fine reliable for the transactions.
|
| 06/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American |
|
I HAVE HAD AN AVANT CREDIT {$300.00} LIMIT FOR OVER 6 MONTHS NOW. I HAVE BEEN PAYING $ 15 MONTHLY MINIMUM ALTHOUGH I HAVE NOT USEDIT.
ITRIED TO ACTIVATE IT BUT WAS TOLD I TOOK TOO LONG TO ACTIVATE AND I HAD TO BE SENT A NEW ONE. I RECEIVED THE NEW ONE AND ACTIVATED IT AND TRIED TO USE IT FOR A {$72.00} PURCHASE BUT WAS DECLINED. CALLED THEM AND WAS TOLD TO TRY AGAIN AS THE CARD WAS NOT ACTIVATED. IT WAS DECLINED AGAIN. I CALLED AGAIN AND WAS TOLD THE MATTER WAS ESCALATED.
HAVE NOT RECEIVED ANY RESOULTION TO DATE AVANT LLC/WEB BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX
|
| 10/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
We stopped making payments on our Avant credit card because we entered into the XXXX XXXX XXXX XXXX. We turned off the auto pay. Avant signed into our account and changed the setting back to auto pay, selecting the " pay full balance '' option, and then withdrew the entire balance of {$2000.00} from my bank account without my knowledge or consent. They refused to correct this and lied and said we changed the settings ourselves. However, the date they claim we changed the setting was at least a month before we entered into the XXXX XXXX. So this is a lie, and they committed fraud.
|
| 08/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I had my wallet stolen in a XXXX hotel room on XX/XX/2021, there was almost {$1500.00} unauthorized charges on my account. I called them and they said they will block the credit card and send me a new one and open an investigation. Today is XX/XX/2021 the charges were reverse against me and I called them, they said to reopen the investigation they need a police report from where it happened. Im no longer in XXXX and I live about 8 hours away! This was never told to me when I reported the credit card stolen, not sure on what to so since this garbage company doesnt want to help me!
|
| 03/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I Made a payment on XX/XX/XXXX of XXXX My payment of XXXX was not due until XX/XX/XXXX. The payment is not getting credited to my minimum due but to my balance. I am being charged a late fee of XXXX dollars every month even though I have made my payment early. The same thing happened in XXXX I made a payment of XXXX on XXXX for my XXXX statement. My minimum due was XXXX on XX/XX/XXXX again I was charged a leat fee of XXXX even though I paid it early. I believe this has go on since I opened the account however with paperless statements, they only have XXXX stat ent available.
|
| 02/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
AVANT IS DAMAGING MY CREDIT FOR AN ALLEGED DEBT WITHOUT LAWFUL VERIFICATION. I HAVE ASKED THEM TO VERIFY THE ALLEGED DEBT WITH THE ORIGINAL WET INK SIGNATURE OR DELETE THE FRAUD! THEY HAVE SOLD THE ALLEGED DEBT BUT STILL CONTINUE TO DESTROY MY CREDIT WITHOUT THE LAWFUL REQUIREMENTS!! THAT IS FRAUD!! PRODUCE THE ORIGINAL WET INK CONTRACT OR DELETE ACCORDING TO THE FAIR CREDIT REPORTING ACT. THAT IS THE LAW. AVANT HAS SOLD THIS ALLEGED DEBT AND ARE STILL REPORTING THE ACCOUNT WHICH IS ILLEGAL. DELETE THIS FRAUD FROM MY XXXX, XXXX, AND XXXX ACCOUNT IMMEDIATELY. THIS IS FRAUD!!!
|
| 04/13/2022 |
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
|
|
Web |
|
|
Received emails from Avant about an account that I had opened. I never opened an account with them. I also had my credit locked through XXXX as well as notes attached with all three credit bureaus to verify all information due to previous fraud attempts after my information was leaked during a data breach. They pulled my credit without my consent and I am currently in the process of building/closing on a home. I have received no call backs from them and everytime I call I am told that there is a note on my file. They pulled my credit. A hard pull that I did not authorize.
|
| 05/22/2022 |
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
|
|
Web |
|
|
I tried opening a claim on an unauthorized charge on my account with Avant credit card company back in XXXX of this year, apparently there was a mix up so I again opened and confirmed the unauthorized charge on XX/XX/2022. We're on XX/XX/2022 and I've received no information whatsoever costumer service have hung up the phone on me multiple times.I 'm being charged late fees and interest on a charge I never made. Today alone a supervisor was supposed to call me back and never did. This company is very unprofessional and has the worst costumer service I've ever dealt with.
|
| 01/25/2023 |
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
|
|
Web |
|
|
My wallet was lost during a vacation to XXXX in XXXX of XXXX. I called and reported the card as lost. There was a fraudulent charge placed on my card before I could alert my Avant credit card of the loss.
No one has contacted me to discuss the fraudulent charge. I have had to make payments and pay interest on this transaction. Ive left several messages for the investigator reviewing my case and have received no call back or communication. During my most recent call to Avant on XX/XX/XXXX I was told that I was responsible for the fraudulent charges without explanation.
|
| 07/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Avant is reporting an amount on my credit reports of around {$6800.00} plus interest for several years now, exact amount is now available to me at this time. The funds were never received, deposited to an account which is not mine. Regardless, Avant is attempting to collect on debt by reporting amount plus interest. This loan appears to have been applied for online in which case, documents were signed electronically and there is no proof of actual signature in which case, Avant has little to no proof I agreed to any terms of loan which as stated prior, was not received.
|
| 03/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was approved for a loan by Avant for XX/XX/XXXX for {$4700.00}. During this time, I've made timely payments. I have not been late but have been marked as late by the timing of the due payments installments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The account has been paid in full by XX/XX/XXXX but has 3 late payments. I've tried several attempts to have Avant correct the payments as well as dispute the erroneous information with the 3 credit bureaus. Avant has not made any attempts to correct this and " validated '' the late payments although they were made on time.
|
| 05/06/2023 |
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
|
|
Web |
|
|
Company cant explain the charges on my account. They informed me that they would start an investigation but when I called a few weeks later I was told there was no record of an investigation being started yet they admitted they were suppose to start on. They charges I found out after doing some research was made in the same state that their company is based. I have proof I didnt make the transactions. It happened on XXXX separate occasions. Once in XXXX and once in XXXX so I decided to close the account so it wouldnt happen anymore. The company/credit card is Avant
|
| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I recently paid my Avant Credit Card the end of XXXX. I had planned to cancel the card after I had a confirmed a zero balance. I then noticed a {$29.00} annual fee. This is to cover me from XX/XX/XXXX through XX/XX/XXXX. I called to ask that my card be cancelled, and this annual fee be dropped as the card will be cancelled during that time frame. They refused to do it as it was already charged. So wrong on so many levels. I have the actual statement to prove what I have said. I know it is only {$29.00}, but every little bit helps. Suggestions on how I get it back?
|
| 11/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
Avant credit card company has been applying late fees of {$39.00} to my account two days after the due date!! I have called to ask if they could move the due date to the first of the month due to my XXXX check being deposited into my account and was blatantly told no. Then when I was speaking with the customer representative she refused to connect me to her superior and when she finally did, he did not attempt to help in any form or fashion and had me on hold for over an hour. I am a XXXX XXXX veteran and this is XXXX XXXX as to how Avant customer service is.
|
| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I filed a dispute with company asking them to verify my debt.The representative could not pull up my account because the account is not linked to my social security number. This account was opened with another social security number with a person with the same name as me. I've disputed this with the company several of times. When asked to provide my written signature giving consent to the application for this line of credit all I receive is statements with another social security number. I have disputed this for two years and there has yet to be a resolution.
|
| 11/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
I applied for Avant credit card in XX/XX/2023 and was approved. I moved while waiting for card to be mailed. I obtained a po box address while I was awaiting my new physical residence. They refused to mail to the po box . I've submitted numerous times documentation showing my new physical address with update State Drivers license, rental insurance and lease as well as car insurance ALL showing this physical address. I've emailed, called and complained but nothing settled. It's been over 3 months and the account is open with a credit line but I have no card.
|
| 01/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
I called twice and requested that my banking information be removed as a payment method stored on my account. I was transferred multiple times and then told to send an email. I received a response, and was told to send another email. I am getting the run around. I want them to remove my bank account information from their payment system. I do not authorize it to be used as a payment method and I do not authorize them to maintain or store the information in their system. I have right to privacy, and they do not have a right to my bank account information.
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Avant llc ) : Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
|
| 10/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent the company ( Avant LLC/Web Bank ) a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they did not respond. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. Both letters were delivered to the company and I have a copy of the return receipt and tracking numbers Tracking number for XXXX letter : USPS XXXX Tracking number for XXXX letter : USPS XXXX
|
| 11/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I felt sick and I was unable to use the card ; I called the bank asking for help and they couldnt advising to do a payment plan, but I declined to do a payment plan. Unfortunately, the representative put me in a payment plan without my authorization. I emailed them complaining to take me out of the payment plan and they responded after some days that they will do it, now I needed to use the card To buy medicine and the card still locked. I called an they say that I will receive an email.
I dont know what to do anymore Im in a hard ship situation
|
| 11/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
I received a. Email from Avant Master Card that a credit card under my name was a privated and several transactions were made using the card. I've never received an Avant Master Card nor have I activated one. I reached to Avant today about 3 different times and they were not being helpful with the info the that I was requesting. Then the line was cut off. I tried to call back several times but I kept getting an answering machine that stated sorry for the inconvenience, we're having a technical difficulty at this time, please try your call later.
|
| 04/20/2022 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I've attempted to make a payment 3 times to this credit card company and it was returned to my bank account. The fourth time I attempted to pay it went through and unfortunately at this point it was passed the 30 day mark. I called them twice to make the payment over the phone and it still didn't go through.
Attached is evidence of me attempting to pay and them returning it into my account and me calling them trying to pay over the phone.
I called to have this resolved but they were unwilling to work with me despite my attempts of payment.
|
| 10/11/2022 |
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
|
|
Web |
|
|
I had a personal loan through the company Avant which has been paid in full for over a year. The company constantly sends emails saying to to reapply and it will not affect your credit. One day I clicked on the link to re-apply for a new loan, just to help pay ahead or pay down bills since inflation. It auto-entered my information as well. They never call me about the loan or anything, they just closed the application after a few days. Then I see it on my credit report as a hard inquiry when I had many emails saying it wont affect my credit.
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Avant LLC failed to report accurate information to the 3 major credit reporting agencies after submitting several disputes. Online portal fails to provide detailed account information referring to days past due on such loan which also include company representative providing false information regarding account status. Avant LLC offers unfair and deceptive loan servicing practices. Company failed to provide detailed information regarding accurate payment history. I am requesting Avant LLC to remove all derogatory marks from my credit report
|
| 02/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was out of work because my previous employer closed its doors and went bankrupt. The company 's failure, and my unemployment, were due solely to the COVID-19 pandemic.
Avant sent emails offering payment plans and saying that if I made a payment there would not be negative reporting. Two days after this email I got my first paycheck at my new job and paid Avant to date. Nonetheless Avant reported me 60 days delinquent.
My pre-COVID-unemployment and post-unemployment payment history was perfect. I attach the email and proof of payment.
|
| 04/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
They signed me up for a loan without my knowledge. I received an email stating I needed to confirm my identity to claim/confirm it. However- I NEVER contacted them or requested a loan from them. They seem to have put me through the process without my express permission.
I did reach out for a 'pre-qualification ' at XXXX and XXXX XXXX auto navigator. The timing is suspect- I suspect someone is doing something less than legal/savory and passing on consumer information to people in order to get a finders fee from legit lenders like Avant.
|
| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2022, I received a Tennessee XXXX XXXX XXXX debit card which is received once someone applied for unemployment benefits. On XX/XX/2022, I received a letter from XXXX XXXX stating that they could not open a checking account because they could not verify my identity. On XX/XX/2022, I received a notification from XXXX XXXX that I had hard inquiries on my account. On XX/XX/2022, my credit was pulled from both XXXX XXXX and XXXX. On XX/XX/2022, my credit was pulled again by XXXX XXXX XXXX. None of the incidents above did I initiate.
|
| 07/15/2022 |
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
|
|
Web |
|
|
I recently just paid my AVANT credit card balance down to {$0.00}. On XX/XX/2022, I received XXXX unexplained credit transactions from XXXX different names that I never heard of. The names showing up on my billing statement were XXXX XXXX and XXXX XXXX. Both charged me for the amount of {$95.00} each thus totaling {$190.00}. I tried to call AVANT XXXX XXXX about the problem several times but no one answered or returned by calls. The reference number for both transactions are the following : ( Transaction A ) XXXX ( Transaction B ) XXXX
|
| 09/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Received a new card in the mail that required activation. Started trying to activate this new card in XXXX. The card will not activate to make purchases. Have called the company numerous times. A ticket was finally submitted for review and should have been resolved on XXXX. It's XXXX and it's still not resolved. Called again today and was told they would submit another ticket which would then take another 10 days to resolved.
Asked to speak to a supervisor, shockingly no one was available. Card is still not activated for purchases.
|
| 12/02/2021 |
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
|
|
Web |
|
|
Unrecognized Charges XX/XX/2021 XXXX XXXX NY XXXX XXXX XXXX NY XXXX XXXX XXXX NY XXXX XXXX USED TIRES XXXX NY XXXX XXXX XXXX NY XXXX XX/XX/XXXX CALLED REPORTED CARD LOST AND HAD UNAUTHORIZED CHARGES.
XX/XX/XXXX MAILED A DETAILED LETTER DISPUTING CHARGES.NO RESPONSE.
XX/XX/XXXX SUBMITTED FAX LETTER DISPUTING CHARGES RESPONSE RECEIVED PENDING INVESTIGATION.
XX/XX/XXXX LETTER MAILED TO ME STATING CHARGES ARE AUTHORIZED.
XX/XX/XXXX SUBMITTING FAX DISAGREEING WITH RESULT ASKED TO POROVIDE AN ACCVURATE STATEMENT, RECEIVED NO RESPONSE.
|
| 06/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I do not remember the last date I talked to them, but I told them that I would be catching up my account this month. Could not make a payment that day. They told me that the autodialer would keep calling me and they could not change the frequency. I receive 3-4 calls from them daily from Avant credit card from phone number XXXX. These calls interrupt me at work.
I would have no problem if they called once a day, but the repeated calls is borderline harassment and I believe a violation of the Fair Debt Collections Protection Act.
|
| 02/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
I received my first bill for XX/XX/2022 It stated my due date was XX/XX/22. I tried by phone and email to change the due date and couldn't. I requested every month on the XXXX. I borrwed {$25.00} and made my first payment. I called today to change it for XXXX and was not allowed either. It says in their paperwork that it takes 5-7 days to process a payment. That's why I asked for the XXXX of the month.
I get Social Security Benefits paid on the XXXX of every month. This creates a late charge for every payment I miss on the first.
|
| 05/16/2022 |
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
|
|
Web |
|
|
I noticed on my credit report in XX/XX/2022 that there was a card issued to me from Avant/Webank . I called them and they said a credit card was issued in my name to XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. They sent me the Affidavit paperwork in the mail but I have had multiple questions for them and every time I call them they hang up on me. They said the card was issued but because I called they never sent card out. However, I havent been able to have them verify. I also would like to have inquiry removed from my credit report.
|
| 04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Account Holder AVANT / WEBBANK Original Creditor Revolving Account Account # XXXX Date Opened XX/XX/2021 XXXX Day Late Payment 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.
This has messed up my reputation and I need this account deleted.
|
| 04/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
On XX/XX/2021, I was made aware that a company called avante reported a balance of XXXX dollars to my collections account. This account is not mine, I was never sent any bills informing me that I owed this company a balance, thus not giving me an opportunity to pay it. However, this account is not mine. If, by any chance, this bill is mine, Avante reported this balance to my account never ever having sent me a single bill, thus deprived me of the opportunity to pay it and went directly to report this balance as a collection.
|
| 03/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
On or about XX/XX/2023, I called Avant in order to get my payments reduced because of financial difficulties, Ive paid approximately 50 % of a {$10000.00} loan already and looking to reduce the monthly payment amount because of financial hardship. Noting that Ive never missed a payment so far, Avant employee names XXXX rudely tells me that they can not help me and that couldnt get me a supervisor and that even if they get me a supervisor they will tell me the same decision. The conversation was recorded as claimed by Avant
|
| 09/22/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I called to get a pay off an allege loan with Avant the lady on the phone to me on the phone that in order to get a lowered payment payoff I had to been in delinquency for 90 days!!! Ive had this loan for over years and the payment is so expensive because all of the expensive fee theyre charging me. I get emails about the debt. Which is causing major stress in my life. They also tried to charge my card! Without my permission! The charge was about holding the pay off amount! The lady never told me that I would be charged!!
|
| 11/27/2022 |
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
|
|
Web |
Older American |
|
AVANT.com aka XXXX ( who handles the frauds, and also XXXX XXXX ) I had fraudulent charges made in Virginia on XXXX XX/XX/2022 as a convenience store. These charges put my card over credit limit. I have been trying to get this fixed since around XX/XX/XXXX to no avail. Today, XXXX XXXX, after another 2 hours on the phone and being hung up on numerous times, I was told there was a dispute started XXXX XXXX.
I need this fixed as it has cost me not only XXXX, but much time and energy. It is also effected my credit scores.
|
| 10/05/2022 |
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
|
|
Web |
Older American, Servicemember |
|
What are you people doing? You sent me a notice saying you had a company response then you don't allow for me to read it. Complaint number XXXX. I have explained for 2 months these are not my purchases. I finally got the account closed. Now I was just notified by XXXX XXXX that they have reported me for being 30 day late on the account. This is a fraudulent billing and I have indicated I will not pay it, Ever. I need your help, not just a notification to the company. How do I stop this nonsense without you intervention?
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In Accordance with the fair credit reporting act, These Creditors : Avant LLC/WEb Bank . XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX... VIOLATED my rights under 15 U.S.C 1681 Sections 602 States, I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, It also states a consumer reporting agency can not furnish an account without MY PERMISSION/Written Instructions. Under 15 U.S.C 1666B, A Creditor May NOT treat a payment on a credit card account under an open and consumer credit plan as late for ANY purpose!
|
| 02/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
I sent a check in for {$2200.00} to Avant ( the credit card company ) approximately XX/XX/XXXX. My bank confirmed that the credit card company endorsed and cashed the check on XX/XX/XXXX, and provided me evidence of such. As of today, XX/XX/XXXX, this amount has not been applied to my balance. I have contacted Avant many times via phone and email, and they " escalated '' my problem on XX/XX/XXXX. They have not responded with an update, an explanation, or anything at all, and have not applied the amount to the balance.
|
| 02/23/2022 |
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
|
|
Web |
|
|
I made a dispute in XXXX of XXXX regarding two transactions from XXXX. I did NOT receive the merchandise. I contacted XXXX and made them aware of the fact I did NOT receive the merchandise. I later lost my card and XXXX indicated they could not issue the refund due to this and I needed to contact my card holder account. I responded to the disputes and was never contacted by Avant. I learned today XX/XX/XXXX Avant had charged back the items to Me. Im NOT paying for something I did NOT receive. I want this refunded ASAP
|
| 01/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have attempted so many times in the past via many organizations including XXXX, Florida attorney general and various other ones and have got nowhere but more annoyed. I have asked multiple times for a supervisor to call me, Ive tried with customer service and still nothing he same issue.
AVANT indicated by snail mail they would refund me my annual fee due to horrible service : they only have refunded me my late fees and interest Ive called them over and over again, sent multiple emails to only get more annoyed
|
| 05/23/2022 |
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
|
|
Web |
|
|
I received an alert from XXXX XXXX that I had a Hard Inquiry from XXXX on XXXX XXXX. There address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX. I did not apply for any credit thru this bank. I called AVANT but they wanted my social security # which I was not comfortable providing. I called and ask for the Fraud Dept but was not given it. I called XXXX XXXX XXXX and I could not understand much by the person answering the phone. Other than to open a case with you. I have also out a credit freeze on my report.
|
| 07/08/2022 |
No |
- 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
|
|
Web |
|
|
This company clearly had a data breach as my account and on social media many many others have fraudulent charges on their cards. I can not get through to the company by phone or email. I want these charges removed from my account as I did not make them and am NOT paying for them. There is zero way of reaching anyone in this company! How can you run a credit card company this way? Alos, I recently moved yet there is no way on the website to update my mailing address. Again how do you run a business like this?
|
| 12/13/2022 |
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
|
|
Web |
|
|
Its my card, however this company refuses to allow my any access to my statements/app to see my account or charges/my email is incorrect and they are sending my personal information to this random email. I have been trying to resolve this issue for months, they hang up on me, refuse to help, or put me on hold and never pick back up. I had XXXX horrible encounters again today and refused to help me. I had my lawyer write them with no luck with correcting my account. Please help me with this dishonest company!
|
| 12/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I had a check drafted on XX/XX/22. I mailed it in. I've checked my account and for the check to be applied to my account. And was told for 5+ weeks that they didn't receive the check. The check was cleared on XX/XX/22. I have been drawing interest All of that time. It amounted to {$40.00}. which wasn't supposed to be drawing interest. I've paid the amount because my account was still drawing interest. I believe that I was being charged interest even after they cleared the check. The card company is Avant.
|
| 08/20/2022 |
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
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX, Sir XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX XXXX XXXX recently received a notice from Avant. I am a victim of identity theft, my information was sold to the dark web. I believe an Avant account has been opened in my name as a result of fraud. I have placed a fraud alert and credit freezes on all my credit reports so that I am to be notified of anyone trying to impersonate me or use my information illegally. I did not apply for any Avant product nor service.
|
| 09/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I scheduled my payment to be taken out on the due date. They failed to take it out and charged me a late fee. I noticed that the funds were not taken out of my account so I called them to make a payment. They refused to reverse the late fee. Their staff is in XXXX and are completely incompetent. They told me several times there wasn't a late fee, but then my balance checks out and they added one then refused to take it off. They sent me an email after I requested to take it off, saying I was denied.
|
| 08/08/2022 |
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
|
|
Web |
Older American, Servicemember |
|
I contacted the company via phone with a follow up email to their published email address, Three emails, no response to any. Recent bill shows another unauthorized purchase. I paid the first suspect bill last month because I wanted to ensure the account remained current while the bank looked into my complaint. I will not, however, pay this unauthorized purchase. I have blocked the account so there should be no further activity, but do I need to close the account because of such bad customer service?
|
| 02/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I called on XX/XX/2023 to close the account. I received a email from avant that the account was closed. Then i receive a notification from the app that i was charged the late fee and I need to pay the account. I called and advised avant that I closed the account..today I received a bill it was not a final bill. And they are reporting false info to the credit Bureau as if the account is opened. I closed it and is waiting my final bill to pay it. I refuse to pay a late fee on a account that I closed.
|
| 06/27/2022 |
No |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Im currently working under freedom debt relief to settle accounts I occurred while out of work with a injury. Ive settle all accounts completely and Im currently on the last one. Freedom debt relief came to agreement with the company to pay ( {$15000.00} ) and Ive been paying ( {$430.00} ) for 10 months now and when I check my credit reports its still showing the amount going up ( {$33000.00} ). original amount was {$20000.00} and agreed to {$15000.00} and its over {$33000.00} now on credit report
|
| 11/17/2021 |
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
|
|
Web |
|
|
Back in XXXX of XXXX I was a victim of identity theft I have hard inquiries from XX/XX/XXXX until XXXX of XXXX on my credit that I didn't run also I have credit cards that were fraudulently used due to my identity and the companies don't want to clear it up like XXXXXXXX XXXX from XXXX the amount they say I owe is {$1900.00} that account has been jeopardize due to Identity theft somebody tried to make a false payment and I'm paying for it also have a lot of closed accounts that I didn't apply for
|
| 10/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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I have been without a job since XXXX of 2021. I have tried to make arrangements with Avant so they would stop adding late fees to my account. When I made a payment arrangement, I was told they would stop accruing, however, I have over {$500.00} in late fees on my account now. I have called several times to see about having the fees removed so I could start paying down the card but no one will help. I have made two payments recently and they did not report my payments to the credit bureau as yet.
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| 12/30/2022 |
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
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Web |
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Two fraudulent charge was added to my account. One in the amount of {$80.00} dollars at XXXX XXXXXXXX XXXX in XXXX, Illinois. And another amount of {$190.00} dollars at XXXX XXXX XXXX in XXXX, Illinois. Both of these charges were not made by me. They are fraudulent. I reported the fraudulent charges and cancelled that stolen credit card. My report was ignored and the charges stayed on my account. I have received a new credit card from AVANT but, the fraudulent charges are still on my account.
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| 11/09/2022 |
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
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Web |
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On XX/XX/XXXX, a few fraudulent charges came through my AvantCard. I've had several conversations and have filed several disputes with Avant ad they have to resolved the fraudulent charges o my account. Avant has charged me interest rates ad late charges for an account I have to used. I am more than happy to pay the annual fee that charge but the account has to be corrected. I should to be responsible for the fraudulent charges nor the interest charges ad late fees as a result of said charges.
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| 10/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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The company is AVANT. I disputed this AVANT account as fraud back in XXXX AVANT did remove the fraudulent account from both my XXXX and XXXX accounts. AVANT has been however reporting actively month over month as a charge off account since that time on my XXXX account. This has been affecting my reputation and credit profile negatively. I am demanding that all reporting attempts on this fraudulent account cease and desist and be immediately deleted from my XXXX and credit profiles permanently.
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| 05/03/2023 |
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
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Web |
Older American, Servicemember |
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Charges started XXXX, XXXX.
Three fraudulent charges reported via telephone multiple times and multiple emails.
I talk to a fraud dept., nothing is done.
I called the merchants, fishy, no charges to me. (???? ) I reported this.
I found out today that a loan with them was denied, I did not apply. This is identity theft.
I found the account, the card is active, I did not activate a new card.
These people seem to be scammers themselves.I locked this account again.
Please investigate them!
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| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I called them again stating that I'm not able to make the payment and they hung up on me twice This is ridiculous. I need to open a legal case against them because they put me on a payment plan without my consent and now they don't want to provide assistance They wrongly put me in a payment plan The second representative was XXXX or so I don't remember the name of the first lady, but they had an attitude while in the phone I can make the payment on the XXXX, I will do it on the XXXX Thanks
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| 07/06/2022 |
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
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Web |
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I noticed my card being used and reported it stolen. The transactions were not line. When I reported it stolen, the rep told me I would have to call back in the morning to process my fraud claim. This occurred on XX/XX/02. I have called everyday since and waited for over three hours on hold each day without speaking with anyone. I emailed the company and they instructed me to call again. I need to have someone call me right away. I should not have to pay for something I did not purchase.
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| 02/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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Email request for stopping of automatic payment and they still tried to pull 3 mores times resulting in excess last fees on bank account.
Requested to set up other payment arrangements and always got the run around. Loan was sold to XXXX XXXX XXXX without any notification and eventually sent to collections.
XX/XX/2020 They sent Final demand of payment. Counited to receive emails and text messages daily for the next month and a half requesting payment.
Principal has been paid in full.
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| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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On XX/XX/23 I was approved by Avant for a credit card for {$300.00} I agreed to accept the card but the company was unable to finish the application because they couldn't verify my identity. They verified my phone number, and email, but couldn't verify my identity with a selfie matched with a driver 's license even though I provided the information.
They couldn't resolve the issue so the inquiry needs to be removed due to my not wanting to apply for something I can't be approved for.
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| 12/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have never paid this card late in fact I have always paid it early I had no issues with my other payments coming out of my account on this particular date but they tried to draft a twice and canceled my payment then said I owe Late fee I asked them to waive the late fee they sent me an email saying that they couldnt I do not owe them a late fee I see on the account where the payment tried to be processed twice I can show proof I have the funds readily available in my bank account
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| 02/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
Servicemember |
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XX/XX/2021 last 3 payment Avant refused to take payment by debt card {$170.00}. XX/XX/2021 TOOK PAYMENT FOR XXXX STILL REFUSED {$170.00} PAYMENT XXXX took payment XXXX refused great payment but said I could pay last payment at any amount to pay the loan off on time XXXX pay off amount was give {$230.00} Avant refuse to take payment on last payment force me to possible go past end of the loan without full payment own past term and report negative on unpaid amount they refuse to take
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| 08/30/2022 |
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
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|
Web |
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I have closed this account in XXXX, before closing account was zero dollars i didn't owned any single balance to bank. Initially there was a charge on XX/XX/2021 there was a charge {$290.00}, XX/XX/2021 $ XXXX {$40.00}. Both of them were unauthorized charges I did reported to bureaus and bank aswell I did forwarded them police report they have XXXX my credit file. I need my refund back from them asap. I need avant credit card company to fix my credit file which they caused issues.
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| 08/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
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Tried to use the card at a small business. Their Point Of Sale system was using XXXX to tender payment. I ended up using a different card. I called the company to ask why they had declined the transaction and I was advised that it was a " cash like transaction '' and the company does not allow that. The first time I tried to use the card to pay for my daughter 's tuition the transaction was declined for various reasons.i had to call and request them to process the transaction.
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| 07/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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There was a fraud charge in XXXX that I disputed within the XXXX statement cycle required time. The disputed charge was refunded but no fees have been and it continues to be reported late. I have called XXXX times to have this fixed and have not received any call back. The card is with avant. I have been told that I would get a call back and have only received calls about the balance due. I would like to have the fees refunded, my credit report updated and the account closed.
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| 02/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- 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
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Web |
Older American, Servicemember |
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On XX/XX/XXXX I called AvantXXXX spoke with XXXX I advised them to close my account back in XX/XX/XXXX, I then found out that they marked me 30-days delinquent twice on my credit report. It is impossible for me to use the card since I had shredded it back in XX/XX/XXXX so the only possible explanation is that someone at Avant made a card using my account number and never closed it. There is a reported balance of {$230.00} this account is only reporting to XXXX XXXX XXXX XXXX.
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| 10/27/2023 |
Yes |
- Credit 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
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|
Web |
|
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Avant credit card someone used card out in Florida and there are 4 charges not mine.XXXX {$10.00} and XX/XX/XXXX {$16.00} and XX/XX/XXXX {$95.00} and XX/XX/XXXX {$460.00} not mine I have called many times to straighten out I dont get know where I closed the card because they kept using but charges keep going up.I finally paid {$50.00} on it yesterday I told them that I owed like {$1100.00} on card the rest is not mine I cant get anywhere it is still on statements help please
|
| 07/10/2022 |
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
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|
Web |
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On XX/XX/XXXX and XXXX, 2022 Avant credit card charged my account for XXXX purchases and 1 that was declined. On XX/XX/2022 I had XXXX available credit. By XX/XX/XXXX I have XXXX. Just like me everyone who has an account was hacked. Luckily I lost XXXX compared to thousands others have lost. In order to speak to customer service I had to wait hours on the phone to file a lost/stolen report. Avant still has not send out a mass email informing consumers about the data breach.
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| 06/19/2022 |
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
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Web |
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Today is XX/XX/2022 and I check my emails everyday and today I received an email saying I applied for an avant credit card when I know I did not iam trying to fix my credit not add more to it I seen on my XXXX account that different individuals are usen my information from me using unsecured sites I wrote avant and they have not got back to me I contacted numerous sites that has used my social security number and I'd number and they don't even live in the same state as me
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| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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In accordance to the federal credit reporting act, this creditors XXXX XXXX and XXXX XXXX XXXX have violated my rights. Under 15 USC 1681 Section 602 states have the right tot privacy ''. 15 USC 1681 Section 604 A section 2, it also states the consumer reporting agency can not furnish an account without my writing instructions.
Under 15 US 1666B, a creditor may not treat a payment on a credit card account under an open and consumer balance credit as late for a purpose.
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| 08/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
Servicemember |
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Yesterday I received an email stating to check on my account with Avant. I was from XXXX and XXXX.
Ive never done business with this company and it looks like their phishing to gather information from a ton of people. Hundreds of not thousands of people online reported the same email yesterday as well. Their customer service hung up on us twice and we waited about an hour each time. I think there might have been a data breach somewhere. Can you please look into this?
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| 03/08/2022 |
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
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|
Web |
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The credit card company is Avant credit card. I have been attempting to resolve a dispute since XX/XX/2022 for an unauthorized charge in the amount of XXXX for a merchant I do not recognize. The company had never contacted me regarding the dispute. I have never used the card for any purchase since the accountnwas opened. I am also trying to close the account out. I am now being charged a XXXX late fee since I refuse to make payment on a fraudulent charge. Please help.
|
| 03/23/2023 |
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
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|
Web |
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I have been asking for a Hardship program for past 8 months. I am told that they don't have any hardship programs. I have been affected by Covid 19, and I was unable to make my minimum payment. I have been calling since XX/XX/2022 requesting supervisor to call back. Noone but the collection department is calling back. Late fees have been accumulating and no offer was made by Avant. Now my credit card is overdrawn by {$150.00} due to Avant 's refusal to negotiate.
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| 07/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
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|
Web |
Servicemember |
|
The Credit Card Company is Avant, my name is XXXX XXXX I have noticed on my statements I have been charged XXXX to XXXX interest each month on a XXXX balance. The company says there is no monthly fees, my billing date is the XXXX of each month. I paid in ful my previous balance on XXXX of XXXX. But I'm still being charged interest on that balance enough it has been paid before the due date. As of today XX/XX/2021 I paid the interest balance and closed my account.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : Ot also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1668B : A creditor may not treat a payment on a credit xard account under an open end consumer credit plan as late for purpose.
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC1681, section 602, which states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 07/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
on XX/XX/2021 and account was opened under my name and reported to all three credit bureaus i have never opened and account with XXXX avant i contacted the company and was told that they know that it was fraudently opened but that i needed to fill out and affidavit and file a police report and i completed both and filed them with the company but to this point the account is still being reported to all 3 bureaus and has not been removed Thank You XXXX XXXX
|
| 11/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX my credit card balance was paid in full. XXXX.
See attached statement.
No payment is due for XXXX.
See attached The minimum payment for XXXX is due on XX/XX/XXXX See attached.
Avant marked my credit report 30 days late causing me to lose XXXX points.
I call them today Monday XX/XX/XXXX and she was telling me I missed my payment in XXXX. There is no payment for XXXX because the entire amount was paid on XX/XX/XXXX. See attached.
|
| 04/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have charges on my account from another state and I reported it over 30 days ago and I havent heard back from anyone. I call the fraud department multiple times throughout the day and no one ever answers Im on hold for hours then it prompts me to leave a voicemail and I leave one with all my information and they NEVER call back. I finally got a hold of someone at the general line but they said that they are not responsible for fraud on the account.
|
| 01/16/2023 |
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
|
|
Web |
|
|
Hello, I reported fraud on my Avant credit card in XXXX. I havent received a credit card in XXXX years from that company. The charges were made in XXXX/2022- XXXX/2022. A representative said in XXXX the charges will be drop. Avant informed me, I will be held accountable. I did nothing wrong, I informed Avant, I was a victim of identity theft last year, and this happened on XXXX other credit cards. Please help me get this resolved.
Thanks, XXXX XXXX
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX offered a credit card offer from XXXX and many other credit card companies seeking payments before being approved for credit card. I was notified to apply due to good chances based on my qualifications. I was immediately denied and this put a negative report on my credit. I was not seeking XXXX XXXX or other companies they promoted. Credit was being offered based on XXXX XXXX credit monitoring which had negative affects on my credit report.
|
| 05/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I the consumer applied XX/XX/2020 for a loan through Avant XXXX XXXX and was unlawfully denied after I filled out a application ( negotiable instrument ) with signature. I have taken all the necessary steps to ensure that my credit profile remains in good standing. Therefore, I believe that the adverse action taken against my application is in violation of the relevant regulations. I will attach my Adverse Action letter and proof of said violations.
|
| 08/20/2022 |
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
|
|
Web |
|
|
This company is making phishing and fraud attempts. I received an email today asking for a XXXX XXXXXXXX review. It was a dead link. The company shows user as logged in even tho I have never even been to their site. It leads to a form requesting social security number, dob and other personal information. I did not fall for this. I believe they are attempting to steal identities as they request all the personal information required to open accounts.
|
| 07/02/2022 |
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
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|
Web |
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|
Noticed a new card opened in my name with XXXX XXXX in mid XXXX. Called them multiple times to advise closing card and to send me to fraud department to get this closed and fixed. Would not inform me of status, would not let me speak to management, hung up on me multiple times when I asked for documentation of fraud being taken care of. Froze my credit and worked with them to send a letter. Still no response and will not speak with me on the matter.
|
| 07/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX is trying to collect on a consumer credit transaction that I entered into with another company. They are violation my consumer right pursuant to 15 USC 1692 ( d ) ( 3 ) by listing alleged debt on my consumer report. They are also violation my rights by saying I owe a debt in the positive pursuant to 15 USC 1692e ( 2 ) ( A ). I requested XXXX XXXX XXXX to validate alleged debt pursuant to 15 USC 1692 ( g ) and they have not responded.
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 states I have the right to Privacy. 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.
|
| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX and Avant Bank has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for and purpose.
|
| 08/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I was approved for an Avant card in XXXX of this year. The company has since locked my card without cause and I am unable to use it. They are still reporting the account each month on my credit. When I contacted the company for more information I am told to email utilities bills and other personal information. After doing so I am told to send more emails to different departments and no resolution has happened. This has been only for 180 days.
|
| 02/25/2021 |
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
|
|
Web |
|
|
I open the account and never receive the card. The company open the account whitout verify my identity and allowed the criminal use the card. I alert them that I didt receive the card and try open a dispute, they have same person on the costumer service that never help or guide a solution. I report them after they send the statement and its been already 2 months and nothing been done. Besides hurt my credit now they are charging me late fees
|
| 02/16/2023 |
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
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 07/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I paid an annual fee for a line of credit to Avant which was issued through XXXX. I have been continuously having my payments declined which are within my available credit. I have calling Avant numerous times and been lied to and hung up on on multiple occasions. The call center attendant told me that they are having this issue with several customers. I have had my car insurance cancelled due to this and have had reinstatement fees added.
|
| 09/04/2022 |
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
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
XXXX
|
| 01/28/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In Accordnace with the fair credit reporting actXXXXXXXX account # XXXX, has violared my rights.
15 USC 1681 section 602 states I have th eright to privacy.
15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions.
15 USC 1666B : A creditor may n treat a payment on a credit card account under an open end consumer credit plan account as late for card purpose
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit act this Creditor, has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 A section 2 It also states that consumer reporting XXXX, XXXX and XXXX can not furnish an account with out my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
|
| 05/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone placed a hard inquiry using my information between XX/XX/XXXX and XXXX.
I have made 3 other attempts to speak with someone XXXX and 3 times been told I was being forwarded to the fraud department for further investigation.
I did not authorize this inquiry and request that any application, account and hard inquiries are removed immediately.
Please note I know this is fraud as I do not and have never resided in New Jersey.
|
| 05/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Hello I applied for a credit card with avant and was approved. Then they lock my account because they said my address was different with XXXX which it wasnt. I sent in the appropriate documents and they wont unlock my card. Their customer service department is TERRIBLE. I got this card for a specific reason. This is absolutely ridiculous. Why send the card if there was a discrepancy just to send it and i cant use it. Please help me.
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/12/2023 |
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
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 16668 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 02/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am submitting this complaint without any influence from any third party or agency. Please see the attached documents as it contains my requests/demands on the conditional acceptance letter, complaints on Affidavit of truth, Affidavit of mailing, Avant 's letter, and proof of delivery of all items via XXXX tracking XXXX I participated in a consumer credit transaction, using my credit card ( social security card ) to extend credit.
|
| 08/28/2022 |
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
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
|
| 08/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
1. In accordance with the fair credit reporting act XXXX Avant, has violated my rights.
2. 15 usc 1681 section 602 states I have the right to privacy.
3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.
4. 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 05/04/2022 |
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
|
|
Web |
|
|
Unauthorized hard credit inquiry on XX/XX/22 Company : XXXX XXXXAvant LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX I contacted the company to inform them of the fraudulent activity they suggested I contact the fraud department and wait for a response in 5 to 7 days.
Avant did not offer me any information as to who or what information was used to obtain my credit profile but I would like this to go on record as a dispute.
|
| 08/29/2022 |
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
|
|
Web |
|
|
n accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX # XXXX has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666 B : A creditor may not treat on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 06/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
On XX/XX/2022, I opened a credit card account with AVANT XXXX. Since opening the account and paying an annual fee of {$39.00} I have yet to receive my credit card. I have spoken to them numerous times on the phone and given the same response that I will receive a new credit card within 10-15 days.
I called then on XX/XX/2022 @ XXXX, XX/XX/2022 @ XXXX XX/XX/2022 @ XXXX, XX/XX/2022 @ XXXX. What can be done about this?
XXXX XXXX
|
| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A fraudulent credit card was opened in my name by an unknown person in XX/XX/XXXX with Avant , LLC. I did not discover this until months later in XX/XX/XXXX. I contacted Avant to file a fraud report. Upon review they contacted me back and told me to fill out a fraud affidavit. When I asked questions about the account they refused to answer any questions or give me any information. My credit score has dropped roughly XXXX points.
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681.604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a late payment on a credit card under an open and consumer account as late for any purpose.
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance With the fair credit reporting act XXXX account number XXXX has violated by Rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A predator may not a payment on the credit card account under any open consumer credit plan as of late for any puprose.
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX Standards. This is my third attempt to solve this matter the 4 Main credit bureaus work for me and I want the two late payments reversed to ok, due to willful non-compliance you must meet compliance standards. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, I NEVER WAS EXPLAINED IN EASY TO UNDERSTAND TERMS ON MY RIGHTS AND THE PROPER DISCLOSURES.
|
| 11/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
On XX/XX/2022, I paid my account in full and cancelled my credit card with Avant. Now I am being told that I am incurring interest on the card that has been cancelled several times. They have attempted fraudulent tactics several times so the account has been cancelled. I have tried to deal with this company but am getting no where with them. I am looking to CFPB for assistance in putting this matter to rest once and for all.
|
| 05/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.
15USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 16666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 07/16/2021 |
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
|
|
Web |
|
|
This account has been disputed and reported in the past due to them falsely adding it the AVANT account back onto my credit report. This has been paid for all the way back into 2019. this account has been closed, never re-opened, the balance is 0. attached are all my court documents proving this, i have sent a letter to each credit bureau with this information and they have still added it onto the report again years later!
|
| 12/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I signed up for the avant credit card via XXXX recommendation based solely on the advertisement of 6 months of on time payment history and you would get a credit line increase. I signed up in XXXX and have made more than one payment every month since, all on time and more than minimum. I then requested a credit line increase and was denied. I called to complain they said they took note and did not honor the advertisement.
|
| 03/04/2023 |
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
|
|
Web |
|
|
Avant credit company account was closed. Did not contact me on the fact there as a interest payment in this account so was closed and they keep reporting to agency as past due and was not. I was not informed via nothing letting me know of it being late credit companies did not investigate properly or this would still not be on my report. Hence violated my right under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681
|
| 07/19/2023 |
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
|
|
Web |
|
|
I called avant on XXXX XXXX to report to fraudulent transactions on my card totalling XXXX. No reg e credits have been applied to my account. I was told by an agent and a supervisor today that the don't create a case until after the ten business day, that reg e requires then to either respond to the dispute or issue the credit to investigate further. They are violating the law into the way the handle fraudulent dispute.
|
| 02/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
This business intentionally makes it difficult to access your online account so you can not make additional loan payments on the loan shark loans that they make. Have tried logging in for 3 days and receive the following : Uh-oh! We're experiencing a problem.
We are having an unplanned outage and our team is working on it.
Fix the problem so I can access my account and make additional payments on my predatory loan.
|
| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance With the fair credit reporting act XXXX account # XXXX, Has violated my rights 15 USC 1861 Section 602 states I have a right to privacy 15 USC 1861 Section 604 Section 2 : it also States a Consumer reporting Agency can not Furnish a account without my written instructions 15 USC 1666B : A credit or may not treat a payment on a credit card Account under a open end Consumer credit plan as late for purpose
|
| 07/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
Avant opened a credit card account that was never applied for. This fraudulent account also has the annual fee immediately charged to the account. Multiple phone calls made to the company, they do not close the account, refuse to provide any information of the source of the fraudulent " application '' to open the card in the first place and instead continue to request more sensitive information related to my identity.
|
| 08/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
under 15u.s.c6802 I have the right to privacy and never gave consent to the bank to report my account, then i send them a certified letter with tracking number XXXX they never respond, I never recieve my OPT out form, its my consumer rights to can opt out from them reporting to 3 partys and they are violating my rights and this is a federal law but they don't care and also this is identity theft I never gave consent
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporti act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have th right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat payment on a credit card account under open end consumer credit plan as late fo purpose.
|
| 03/19/2023 |
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
|
|
Web |
|
|
I went through a hard time with a period of unemployment. I contacted them to try to get help they refused. I continued to try and work something out with multiple emails and phone calls with no success. Ive even asked to just give me a lower amount to just settle the account they refuse. I asked for a statement with my account number so I can give it to the debt consolidation company Im working with they refused.
|
| 05/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
I made a payment to them on XX/XX/21. They returned it on XX/XX/21, then they accepted the payment, then charge me a {$25.00} late fee. According to them they having problem with my bank which XXXX. None of my other credit cards are having this problem. This the XXXX time it happen, I think they are doing it on purpose to charge me a late fee.They are ripping me off! I believe they doing this to other people too!!
|
| 11/23/2022 |
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
|
|
Web |
|
|
I filed a dispute with Avant via usps mail for the erroneous purchases. Avant- replied that they did not know which purchases I was disputing even though I included a copy of the statement with the purchases circled.
I filed the same dispute to an email address provided by avant. Avant replied that I should call them.
Upon calling avant I was transferred to XXXX who could not assist further with the dispute.
|
| 07/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have a credit card from ( avant ) And by XX/XX/XXXX I found many fraud activities in my account. Took all my and left my account over draft I checked on the social media and found a tons of people had same issue that looks like some people hacked avant system and stool our money We tried for hours to reach any body there without any responding Theres 2 transactions went through 1- {$10000.00} 2- {$12000.00}
|
| 06/08/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I got an alter from XXXX XXXX on XX/XX/2022 that a new inquiry was made on XX/XX/2022 at WEBBANK/AVANT LLC . I called WEBBANK/AVANT on or about XX/XX/2022 to get more information and they said that an application for a loan had been made. they said that they stopped the loan application and sent me notice to make a formal complaint at this website. I believe that the loan was for the amount of {$50000.00}.
|
| 12/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
On two different months i did exactly what the company Avant advised and they still did not allow that second payment to be for the next month and continue to charge outrageous late fees every month and I have told them i only get one check a month and it is on the third buth they continue to not do what they advised to help remedy the problem according to them. Im tired of their lies and their deceit.
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
IN ACCORDANCE WITH FCRA THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
UNDER 15 USC 1666 B A CREDITOR CAN NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN & CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
|
| 10/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AVANT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 11/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
I have had this card now for about a year. I had two cards sent to me which I activated but were declined by merchants. I however was sending the company $ XXXX monthly for several months. I filed a complaint with them and they were investigating. They reported me late recently. I do not believe a negative report is sustainable under the circumstances and should be removed. My account is current.
|
| 07/10/2022 |
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
|
|
Web |
|
|
I have tried to call the company numerous times. I have emailed multiple times, messaged them on XXXX and posted on their XXXX page. I was advised to message their XXXX XXXX and email them. To which I did and no response. I had a {$0.00} balance and had not used the card in a long time. There are multiple transactions from the week of the XXXX. I want my account closed and removed from my credit.
|
| 07/09/2023 |
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
|
|
Web |
|
|
I sign into my XXXX XXXX account to update personal information and just look at loan possibilities offers.
I never requested any loan or gave information for the two companies to check my credit scores or completed a application for the loan.
I received a email from the companies that I was not approved for a application I never applied for which did a inquiry on my account and credit score.
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit report act these creditors violated my rights under 15usc 1681 section 602 states I have a right to privacy 15usc 1681 section 604a section 2 reports a consumer reporting agency can not furnish my acct without my written instructions 15usc 1666b a creditor may not treat a payment on a credit card acct under and open consumer credit plan late for any reason.
|
| 01/13/2023 |
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
|
|
Web |
|
|
I sent a XXXX XXXX money order for {$850.00} to XXXX XXXX Bank on XXXX XXXX, it was cashed on XX/XX/2022 and I called and recorder the conversation trying to resolve it. They asked me to send documents, after receiving the documents they still refuse to say they received them after they provided me with the wrong email address they had on file and apologized but didn't resolve it he issues.
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Avant # XXXX has failed to show proof that this account is mines. I XXXX XXXX XXXX XXXX never authorized or opened a account with Avant. This is a Violation of 15 U.S. 1692 e false or misleading representations. Under 15 U.S. 1681b permissible of consumer reports I never disclosed to give Avant permission to report to the credit Bureaus for this account is damaging my credit worthiness.
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness This is not my account!!!
|
| 11/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
On XX/XX/2022, I looked at my account and Avant credit card company had dropped my limit from XXXX to XXXX for no reason. I recently made a payment on my account for over XXXX. I never been over my limit or missed a payment. I know someone else that this recently happened to. She had XXXX and they dropped her to XXXX for now reason at all. And she had just paid her card completely off.
|
| 08/01/2022 |
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
|
|
Web |
|
|
On XX/XX/2022, two credit cards were attempted to be opened at Avant bank in my name. These were fraudulent attempts, and were not made by me. I contacted Avant to get them removed from my credit history and was told that they marked them fraudulent and they would be removed and that I had to wait 90 days. I still see one of the two credit inquired from Avant that has not been removed.
|
| 04/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
For over XXXX years I've made my payments to Avant credit LLC on a timely fashion, however over the past several months Avant has been holding over my available funds for 10 days. THIS STARTED AFTER I ACCIDENTALLY SENT DUPLICATE PAYMENTS to them and I requested for Avant to send back one of the payments which they refused, so I had to file a dispute with my back to get that money back.
|
| 09/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I requested a credit line increase and was told that I couldnt receive it because I already got one. False I never received an increase. I got an email stating it was an error and they would re-evaluate for the credit line increase and send me a correspondence in the mail the letter received stated I already received a credit line increase, which is wrong my limit is still {$300.00}.
|
| 04/12/2021 |
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
|
|
Web |
|
|
I tried for almost 3 months to talk to them and resolve the situation, I already saw the police report they gave me back what was spent on the account but they are still charging me for transaction fees that were never made. I only paid the annual fee that would be my only obligation. I never received the card and I am still being charged for transactions that were not made by me.
|
| 06/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have 2 issues going on. I have been a victim of identity theft. I have filed FTC report and the 2 Companies will not remove these 1. XXXX XXXX I sent credit places the police report and FTC report on file 2. Avant Bank was opened fraudulent and was open without my permission. A FTC report was filed as Well I have alerts now on all 3 credit reports and I want this off my credit
|
| 03/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Avant LLC has charged me late fees that caused my account to go over the limit. For about XXXX months Avant kept charging me those fees at XXXX per month. I was unemployed during that timeframe. I called Avant LLC in concerns to my credit card just to be told they wont be able to assist me. I have requested copy of the statements which they have informed me that they do not have
|
| 01/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
- UNITED STATES MINOR OUTLYING ISLANDS
- 34207
|
Web |
|
|
Avant card company charges fee on XXXX balance and if you dont pay fee they add late charge There is no customer service that ever answers you online are in person to cancel they always say I'll forward you to customer service but you can stay on the phone all day there is no answer I have emailed them used their website every way to try to get ahold of them to close my account.
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Avant has since last year been repeatedly changing the payment status on an older, closed account on my credit report. The changes have done damage to my credit score via XXXX and have been performed at least once a month, with one change on XX/XX/XXXX having resulted in a 70 point drop to my credit score. ( Please see attached document ) I've disputed with XXXX without result.
|
| 11/09/2022 |
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
|
|
Web |
|
|
Its been over 30 days, and the creditor has not updated information nor provided proof or documentation in regards to a late payment. They have not supplied this information. They must delete the alleged late payments on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report.
|
| 12/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
A check in the amount of {$63.00} was processed through my bank checking account on XXXX XX/XX/2021 to Avant Credit Card Services, but is not being reflected in the XXXX credit card balance today, XXXX XX/XX/2021. The customer service representative ( s ) said that they have no record of the payment or the check being received but the check has been debited from my account.
|
| 04/08/2023 |
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
|
|
Web |
|
|
Avant is doing it again! XXXX withdrew {$1100.00} on XXXX without my authorization or permission. XXXX was authorized to charge the minimum payment not take out statement balance. I called asked for refund and they said it would take 3 weeks and I asked to have it returned immediately back into my account and asked to speak to a manager or supervisor. I was declined.
|
| 01/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
My issue first started with trying to contact the company because my card kept getting declined despite saying it was activated. Called CS 4 times to resolve issue and kept getting hung up. 5th call was to close acct and got hung up again. This is not the first time I've had issues with poor customer service with this company. I've had a previous complaint last year.
|
| 04/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
XX/XX/XXXX a request to close my Avant Credit Card account was sent to XXXX and I received a follow up email XX/XX/ with instructions to confirm the request, the request was confirmed same day, Avant confirmed the account closure. XX/XX/2023 Ive received a new invoice with additional interest applied and my online account does not reflect the account being closed.
|
| 11/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have sent payment from my XXXX account and was verified that the check was sent a number a weeks before Avant credited my account payments causing fees and a credit negative report. This has happened every time I don't use thier web site payment. Now I did a balance transfer to XXXX, and they received the funds weeks ago and haven't credited the payment.
|
| 06/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone used my information to apply for credit with XXXX/Avant in my name on XX/XX/15 that I did not authorize. I called XXXX/Avant and spoke with XXXX who sent my info to the fraud department. They requested that I send them an id theft affidavit. I sent it to them via certified mail. I've heard nothing back and the inquiry is still on my credit report.
|
| 03/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I got a email about a loan in the amount of XXXX from this company so I called and they wanted me to allow them to deposit money in my account then to send it back by XXXX they wanted my login names and passwords to my checking account I declined the loan because it just doesn't set right with me allowing to send money then they want me to send it back
|
| 11/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with cash advance
|
|
Web |
|
|
I was sent an email saying that I was approved for a personal loan, sent me the contract in a PDF file and everything, looked legit, but then they wanted me to go purchase a {$500.00} XXXX gift card after depositing {$890.00} and change into the account, I gave them the info and now I realize after reaching out to the actual company that this was scam
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair act XXXX Account # XXXX has violated my rights 15.USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not forward an account without my written instruction 15USC. 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit payment as a late for any purpose
|
| 03/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX, XXXX, and XXXX of 2020 I was unable to pay my credit card bill due to being laid off because of the corona virus pandemic. I wrote a letter to the credit card company explained my situation and asked them to remove the late payments on my credit report. They did not respond to my letter and didn't remove the late payments from my credit report.
|
| 07/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I called them, They say it was some internal issue with their system that is not my problem they have violated the terms of service in my opinion if I cant used the card then what the point I have had multiple fail transactions this month with embarrassment in front of coworker, family and friends it's not fair I pay on time each month why cant they
|
| 05/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am following up with my complaint from XX/XX/2021. I emailed the documents to Avant Credit to three different departments. I have uploaded what was requested. I was verbally notified that I received an email to upload photos and that is as true as the two time mail correspondence from last year. I did not receive any of the claimed mail or email.
|
| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
I am a victim of credit fraud on three accounts that I did not open. Avant lending, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX applied for in my name and I did not open these accounts. My information was leaked from my email address XXXX. I have sent multiple disputes for each of these accounts. Please delete these accounts from my credit report.
|
| 11/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XX/XX/2022 credit card balance was decreased from {$1000.00} to {$300.00}. Reason because Im over the balance regularly and high utilization. Im never over the balance not once. I called to get a reason why the decrease because it dropped my credit score XXXX points but Im told the letter that was sent is confidential and no one could tell me why,
|
| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Good evening, I have reached out to Avant regarding the outstanding balance and proof of payments. They continue to ignore, even after reaching out to you for assistance. Avant will not closed the card and I have paid the balance. I am incurring interest for a card that I have paid off and it is ruining my credit. Can you please assist me again?
|
| 05/18/2022 |
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
|
|
Web |
|
|
On XX/XX/22 I noticed a hard inquiry on my credit report from Avant bank. I did not request to open any account with them. I called Avant and told them the situation and they said an affidavit would come via email from their fraud department. The email never came and I have tried contacting them via phone and they just keep hanging up on me.
|
| 12/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I received an offer to apply for a credit card with Avant through XXXX XXXX, an approval guarantee was offered in amount of {$50.00} by XXXX XXXX, application denied. Avant claims reason for denial is due to past account which was charged off, however, they have not sent me notice of decline which XXXX XXXX needs to process their guarantee.
|
| 01/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
Applied for the credit card in early XXXX and did not receive the card for several weeks. The card was reissued and never received. I called for another replacement and was told it could not be expedited or sent with tracking. A XXXX card was issued on XX/XX/XXXX. As of XX/XX/XXXX, Avant can not confirm if a card has been issued or mailed.
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Avant Credit Card was paid in pull. Although I have contacted Avant, who state they submitted the card was paid in full and NOT charged off, the credit bureaus continually report inaccurate information. I have provided my credit card statement that shows the card was paid in full on XX/XX/. Howev4r, they refuse to correct the information.
|
| 10/25/2021 |
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
|
|
Web |
|
|
Under the CARES ACT due to Covid 19 creditor must offer a financial payment plan if the account was current prior to Covid the company failed to do so I asked and was told that they didnt offer anything as a result of Covid lack of work and unwillingness from the creditor a late payment was reported impacting the livelihood of my family
|
| 08/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
avant credit card, Dates XX/XX/XXXX XX/XX/, XXXX XXXX Monthly payment XXXX $ I requested Mutiple of times to have my late payments remove due to me being XXXX due to XXXX I was XXXX and wasn't able to make any payments or work at the time due to XXXX XXXX I advise advise the company requesting to have the late payments removed,
|
| 04/17/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
See attached letter from the sketchy business, in the letter the business lied and falsely claimed that I can easily make additional payments by simply calling in to customer service. Well on XX/XX/2023 spent 10 minutes providing my email address, name and last 4 digits of my social security number. NO ACCOUNT COULD BE FOUND! WHY?
|
| 05/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A credit card was opened in my maiden name in XX/XX/2022 with XXXX XXXX LLC/Avant. I have contacted the company, sent a police report, and documents proving it was fraudulent and they still will not remove the inquiry from my credit report. The line of credit was fraudulent as well as an address listed on my credit report.
|
| 06/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I had a Avant Credit Card and on XX/XX/2023 I paid the card off and close the Account that left me a XXXX balance. On XX/XX/XXXX charge XXXX interest on a XXXX balance. My bill cycle was from XX/XX/XXXX to XX/XX/XXXX which I pay off before the XXXX.
All I want to do is to remove the XXXX before that start adding interest.
|
| 05/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
I applied for a personal loan through Avant months ago and have made payments timely. I've been helping family during COVID-19 and this was the only loan I could get at this time. The interest rate is 35.99 % and I've asked for a lower interest rate and was told they can't do this. It's an excessively high interest rate.
|
| 07/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit report AVANT has violated my rights In accordance with the fair credit report. 15 U.S.C1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 04/27/2022 |
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
|
|
Web |
|
|
Avant LLC ran a hard credit inquiry on me on XX/XX/18 and the information provided was not my address. I informed them via phone calls and emails that this was a fraudulent inquiry and attempt to access credit. They said it would be sent to their fraud department. However I have yet to hear back from them in response.
|
| 02/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
I called this company and closed this account almost three months ago with the payoff amount they told me on the phone. Haven't heard anything from them in that time. Now they keep sending me bills that I owe them a payment. The company involved avant card. I closed it because they kept lowering my credit with them.
|
| 08/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
I tried to do a balance transfer from Avant to XXXX. XXXX sent funds to Avant to initiate the balance transfer process. Avant denied the balance transfer, did not notify me and claimed their policy and contract did not except balance transfers. I looked over policy and contract and found no evidence of their claim.
|
| 06/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
I received a card in my name at my address. It is from Avant and has not been activated. They said they would send it to the fraud department, but all in all it didn't seem safe and secure. It says the card is for a limit of {$300.00} and has XXXX fraud liability for unauthorized charges. Says it is issued by XXXX.
|
| 02/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have contacted the company several times on numerous occasions regarding this not accurate debt with no prevail. I am a victim of Covid-19, hurricane Ian and Michael and the creditor agreed to remove this negative account off of my credit report. The creditor does not provide information on how the debt is owed.
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
According to the FCRA reporting act I am privileged to have a fair accurate credit report and any inaccuracies found must be corrected and made correct to the positive standing and reflect XXXX inaccuracies XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX INACCURACIES, LAST REPORTED DATE XX/XX/23 please also missed
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My credit report is showing late payments to AVANT LLC/WEB BANK XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or AVANT LLC/WEB BANKs customer service representative.
|
| 08/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
I filed a previous complaint ( # XXXX ) still no change. The credit card have not been mailed at the moment. I don't understand the difficulty of mailing the credit card. Now I am going into the three month of not receiving the credit card and the complaint I made through your agency haven't made a difference.
|
| 05/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
|
|
Web |
|
|
Hi : I have tried to obtain copies of my old credit card statements so I could help other agencies, including Kansas Attorney General, with specifics.
I requested copies of these verbally and in writing. I was told they would not provide this information.
I believe their behavior is unethical and illegal.
|
| 07/08/2022 |
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
|
|
Web |
|
|
There is a data breach at Avant! Multiple fraud victims on XXXX, complaining about their fraudulent charges, Avant employees are not answering any calls to resolve any disputes. My credit card has XXXX fraudulent charges, and I was not given any sort of proof that someone is looking into my fraudulent case!
|
| 04/07/2022 |
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
|
|
Web |
|
|
Folks : I have tried to rectify, with Avant, a balance they are saying I owe that were some fraud charges on my card. These were reported to Avant. They said they would remove these charges from my card, many months ago.
Today, via XXXX XXXX, I became aware they were charging off an amount of {$260.00}.
|
| 05/27/2022 |
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
|
|
Web |
|
|
I was alerted by XXXX identity theft protection that a CC account had been opened in my name and SS # on XX/XX/22. The account was detected by XXXX. The account was open with AvantLLC/web bank ; account XXXX.
I followed up with Avant bank with the help of XXXX. Avant- has agreed to look into the matter.
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I settled this account in XX/XX/2018 and on my XXXX and XXXX credit reports, this account is showing an open balance of {$1900.00}. I have the settlement letter and my bank statement showing that I paid it. I am trying to get a home loan and this is preventing me as it is showing as open and past due.
|
| 11/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I XXXX XXXX sent a letter to XXXX asking for Validation of the alleged debt they are accusing me of owing along with a completed audit trail and they have refused to provide me of the documents. However they are reporting this alleged debt to the consumer reporting agencies tarnishing my reputation.
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may r treat a payment on a credit card349 account under an open end
|
| 09/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I HAD ASKED THIS COMPANY MANY TIMES TO HELP ME WITH MY BILL DUE TO MY BEING A XXXX PATIENT I HAVE A {$300.00} CREDIT LIMIT AND HAVE PAID THEM OVER {$800.00} IN FEES AND LATE PAYMENT CHARGES!
I HAVE OF MY OWN FREE WILL CANCELLED THIS CARD!
THEY KEEP CHARGING OUTRAGEOUS FEES AND OFFER NO HELP!
|
| 07/25/2022 |
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
|
|
Web |
|
|
I have XXXX fraudulent charges on my account XXXX USPS {$250.00} XXXX USPS {$290.00} I mailed in a dispute letter on XX/XX/2022. I also called to dispute verbally on XX/XX/2022, XX/XX/2022 and XX/XX/2022.
They have not issued me a credit or responded to my letter as required by law.
|
| 09/10/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Does the interest rate of XXXX percent on my Avant installment loan violate the usary laws in Washington DC where I reside of a maximum XXXX percent for loans?
Can I ask them to lower my interest rate based on the usary laws in Washington DC where I reside?
I got this loan online
|
| 07/06/2023 |
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
|
|
Web |
|
|
I Had intentions of paying the balance but having placed on my credit profile without contact is unprofessional. Furthermore a representative informing me that this could negatively impact my credit isnt within the guidelines for a creditor/debt collector to discuss with a customer.
|
| 09/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American, Servicemember |
|
Re : Complaint XXXX you sent me an email saying the company had responded and are still working on it. i can not see the company response as it is not posted where i signed in. what are they investigating, three ( 3 ) unauthorized billings. I want the account closed immediately!
|
| 07/21/2023 |
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
|
|
Web |
|
|
Credit card account with Avant was paid in full and closed XX/XX/2022. The company sent account to collections company XXXX XXXX XXXX. I have submitted documents showing proof of payment and still receiveing calls and letters attempting to collect on a paid and closed account.
|
| 11/09/2021 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
Opened Avant- credit card. Credit card is not used and balance keeps going up. My spouse has been paying thinking I use the card. Upon review of my credit cards I see the card is maxed out. Weve been paying toward a balance I do not have. Avant owes me money at this point.
|
| 05/19/2022 |
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
|
|
Web |
|
|
I noticed today on my XXXX XXXX that there was a new inquiry for a credit card to Webank/Avant which I did not apply for. I alerted the company by calling them today and they were sending it to their fraud department and sending me a affidavit to fill out stating fraud.
|
| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
i have been XXXX since XXXX and i was released XX/XX/XXXX to come home to find many accounts open in my name and my bank account empty.my home was broken into shortly after i was XXXX and alot of personal information came up missing and that how i believe this started
|
| 04/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX Avant LLC was supposed to remove the inquiry dated XX/XX/21 since last year. I have submitted 2 other complaints against this company through CFPB and was told twice they will update their systems and remove it. As of today it is STILL on my XXXX credit report.
|
| 01/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have sent out a letter via mail and email to Avant at the following email XXXX and sent a letter that was returned as the following address that they provide is not valid at Avant ATTN : Resolutions Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX
|
| 12/31/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
I filed XXXX XXXX bankruptcy XX/XX/XXXX which included Avant as an unsecured creditor. The bankruptcy was discharged in XXXX of XXXX. Avant continues toncintact me by phone and email demanding payment of {$310.00} in violation of my rights under bankruptcy law.
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The account was paid several months ago. This still shows delinquent on credit and not paid. Ive contacted company several times and reached out to main office. I want this corrected and removed from my account. The accounts are showing recent and they are not.
|
| 09/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently went to XXXX about the account that says XXXX XXXX and I told them it wasnt my account. The address on the account doesnt even match the address on my profile. Considering this is wrong and is hurting my score I would like this item to be removed.
|
| 07/10/2022 |
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
|
|
Web |
|
|
I was charged for a payment sent to an individual, XXXX in XXXX XXXX . I called to close my account and report the fraud. So far it looks like i will have to pay it unless something is done about it. Something fishy is going on.
- {$97.00} XXXX XXXX CO
|
| 06/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I have one credit card from AVANT ending in XXXX with an XXXX XXXX APR THE Lender has raised my rate to usury levels making repayment prohibitive.
I have been enduring a long term medical hardship and I am seeking assistance to cure these obligations
|
| 07/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Avant , LLC called me more than 7 times in a 7 day period. They called me at XXXX XXXX and XXXX XXXX on Saturday, XXXX XXXX and XXXX XXXX on Monday, XXXXXXXX XXXX and XXXX XXXX on Tuesday, and at XXXX XXXX and XXXX XXXX today ( Wednesday ).
|
| 05/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I have had a block on my card that the company refuses to lift or replace the card since XX/XX/XXXX.
I have called the company several times, they refuse to send me a new credit card nor unblock the one I have.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
|
| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
I paid off my Avant card in XXXX early XXXX and it is still showing overlimit on my credit reports. I've contacted the credit card agency directly and they've said numerous times they've fixed it to report the correct balance and they Have Not.
|
| 04/25/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Please see attached supplemental information for this business. Attempting to payoff the loan for four weeks! Business is UNABLE to provide online access. Business has no record of my account when I call customer service. This is unacceptable.
|
| 07/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I had a hard inquiry pulled on my credit report from XXXX/AVANT LLC . I contacted both XXXX XXXX and Avant and neither could find an account in my name. I have not applied for anything from either place and would like the inquiry removed.
|
| 01/06/2023 |
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
|
|
Web |
|
|
On XX/XX/2023, I sent XXXX XXXX a Certified Mail Letter requesting an unknown inquiry be deleted from my Consumer Report in which I have yet to receive a response!
XXXX XXXX is in violation of my rights as a Federally Protected Consumer
|
| 08/18/2021 |
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
|
|
Web |
Older American |
|
Avant- credit card LLC unauthorized charges on credit card absurd fees and interest charges over 50 % of account balance, it obscene and outrageous, they should not be allowed to perpetrate these crimes with impunity Thank you XXXX XXXX
|
| 01/29/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
Open card but they want send to my po box like All my other cards because I don't get mail here at my house and they said I only have three months to use it all day going to close my account and if they do that it will affect my credit
|
| 05/25/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The account shows that it is late I was 30 days past due. That is incorrect account was fraudulently used and I paid the balance in full once I was aware. The bank said if I pay in full I will not be reported negatively on my credit.
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX # XXXX, has violated my rights.
Account is showing charged off but I never received a 1099 cancellation of debt form regarding this account.
This is inaccurate information.
|
| 11/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have contact the credit viewers and contact the creditors to take off these major accounts and they agreed to pay a settlement on the each account and they still reported on my credit report and that's illegal against the law
|
| 10/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Avant company is reporting an account on my credit report that I never opened! currently this account is in collections, I have reach out to them and they have done nothing! Still reporting as a collection on my credit report.
|
| 10/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I would like the company to cease all communication with me and i would also like to them to cease reporting information to the consumer reporting agencies I want them to remove the account from my consumer report as well.
|
| 06/13/2022 |
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
|
|
Web |
|
|
I submitted an application though XXXX XXXX and was advised that inquiry would be a soft inquiry ; however after reviewing my XXXX credit report the inquiry appears as hard inquiry in which I didn't authorize on XX/XX/2022
|
| 08/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Avant, a company I have a credit card with, is processing applications for other lines of credit without my consent. I keep getting rejection notices for a card I am not applying for. This is lowering my credit score.
|
| 02/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
I did not open this credit card so the company closed it and said they would pay us {$280.00} that would take 2 to 3 weeks. Well it is past 3 weeks and I still have not received it. Now they are not responding to me.
|
| 06/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Late fees, disputes fee with 30 days, was no respond and late fees veries in amouts from XXXX and than in a diferentes sstanents it shows XXXX very strange.. Was not disclosed to me any if this ..Intrest discrepsancy
|
| 03/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I paid AVANT CREDIT CARD LONG TIME AGO AND ITS BERRY IRRITATING WHEN THEY PUTTING WRONG INFO ON MY CREDIT REPORT LIKE IM SOME CRIMINAL THEY GONA HAVE TO XXXX FROM MY LAWYER OF THEY DONT REMOVE FROM REPORT ASAP
|
| 11/19/2021 |
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
|
|
Web |
|
|
I the consumer XXXX usc XXXX ( a ) is on the do not call registry and avant- credit card services has continuously text me harassing me about a bill due, when all debt obligations are to the XXXX XXXX usc XXXX
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
AVANT LLC/XXXX XXXX Credit card XXXX XXXX XXXX of 2022 A personal credit card was taken out in my name using my social security number with an address i have never lived at. This is not me or my credit card.
|
| 11/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I was declined for credit from Avant back on XX/XX/2022. They failed to send me an adverse action notice until 194 days later on XX/XX/2022. This is a violation of ECOA Regulation B timeliness requirements.
|
| 01/14/2023 |
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
|
|
Web |
|
|
Someone opened a credit card in my name. I have tried to dispute it with the credit reporting agencies. They have not verified nor submitted any documents showing that I am the owner of this credit card.
|
| 10/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Calls multiple times a day, with one call after XXXX CST tonight, XXXX. No mention of money owed, nor answering of questions or proof in writing. Have number called from and time stamps on call log.
|
| 10/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Avant has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX XXXX and XXXX
|
| 04/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Avant credit card company charged late fee of {$25.00}. Because they could not pull out monthly payment from my bank account. I did try with them to waiver this late fee. But they denied twice.
|
| 10/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
I sent a notice for refund due to treatment of credit balance. XXXX XXXX to Avant , LLC At XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX by certified mail which was delivered on XX/XX/2023
|
| 11/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
A charge-off was reported at the beginning of 2020. The balance of said charge-off is reporting as current and has increased my credit card utilization in clear violation of the FCRA.
|
| 04/04/2022 |
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
|
|
Web |
|
|
Ive been calling Avant about an account that is showing up on my credit report as a charge off. Avant has refused to send me copies of the statements to proof how I got those charges.
|
| 12/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I settled a personal loan with Avant and they agreed to updated my credit report from deragatory to settled. They did not do this and its having a negative affect on my credit report
|
| 07/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have repeatedly contacted Avant with the information concerning fraud, charges even for the same company went on new card that I havent even used, and nothing has been resolved.
|
| 06/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Avant card ending XXXX - raised my XXXX rate from XXXX to 30.74 % without XXXX days notice in advance/ my card is less than a year old - both a direct violation of the XXXX XXXX
|
| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hi, AVANT XXXX is inaccurately reporting a balance amount of {$570.00} and {$510.00} on my credit report for an account that has been charged off and resold to another creditor.
|
| 09/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
This card was promoted to me by XXXX XXXX. It had a very high enrollment fee and high interest rate that will set any person up for failure. I feel this was predatory lending.
|
| 12/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
On XXXX, Avant LLC charged the entire statement balance to my checking account without any correspondence or account statement after they had canceled my card without warning.
|
| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2022 I received a message from XXXX XXXX stated the I inquired about a personal loan. That is not me. My ss # has been compromised and I need this report on file.
|
| 01/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I cant pay lost job due to covid -19 they keep over drafted I cant to it please cancel this Dept No Job no money Im struggling day and night a fight to stay warm Please
|
| 09/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
In XX/XX/2023 I obtained my balance amount for pay off on an " Avant '' credit card. I paid that amount immediately, & was then charged an additional {$40.00} dollars.
|
| 02/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
XXXXXXXX
PLEASE REVIEW AND OPEN ME MY ACCOUNT. I WAS INVITED BY YOUR COMPANY TO APPLY, I DID. MY SCORE IS XXXX I really need this account to be opened. see attached.
|
| 03/17/2023 |
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
|
|
Web |
|
|
I am submitting this complaint without any third party influence or agency. Please see attached documents as it contains my full complaint and demands. Thank you.
|
| 05/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
I was told my credit WOULD NOT BE RAN AND IT WAS, WHICH IS A LIE. I want to file a complaint because it was a hard inquiry and it said no impact to your credit.
|
| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
These accounts were open without my consent, I have notified the companies and told them numerous times and same results, I need these off my credit immediately
|
| 02/11/2022 |
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
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 07/15/2021 |
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
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 07/12/2022 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
XX/XX/2022 Was sent a pre-approved application tried to get it processed and something funky happened. I believe they stole my identity.
Avant Mastercard
|
| 07/07/2022 |
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
|
|
Web |
|
|
On XX/XX/XXXX my avant card was charged XXXX. I did not authorize this charge. I have tried to call the company and have been on hold for up XXXX hours.
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This loan/ credit card was taken out due to identity theft. It does not belong to me, I have never applied for or received a loan/credit card from them.
|
| 02/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
Avant card stooped card use after one day late i proved beyond a doubt with a pdf that payment sent yet Avant would not help me solve this issue at all
|
| 04/21/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
i have filed a dispute in regards to the incorrect items on my credit report, it has been over 30 days and I haven't received any investigation results
|
| 05/16/2022 |
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
|
|
Web |
|
|
A FRAUDULANT CREDIT CARD WAS OPENED AT AVANT LLC/XXXX XXXX ACCOUNT # XXXX A FRAUDULANT ADDRESS WAS USED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/27/2021 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
AVANTCREDIT AND XXXX XXXXMUST SEND LETTER TO XXXX DEMANDING THE REMOVAL OF MY ACCOUNT FROM THEIR DATA BASE AND TO UN SUPRESS CREDIT FILES TODAY
|
| 11/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
The credit card Avant opened an account without my knowledge. Apparently they tried to call. They took money from me. I will need that back.
|
| 07/30/2021 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I applied for Avant credit card they counted it as a loan through their Unsecured loan dept I apploed for Unsecured ctedut line. Was Denied.
|
| 10/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Call at least 4-5 times a day/ i notified them on XX/XX/XXXX that this was a business phone and they continue to call at the same frequency
|
| 10/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Call at least 4-5 times a day/ i notified them on XX/XX/XXXX that this was a business phone and they continue to call at the same frequency
|
| 01/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
this bank chg a interest fee on amt due XX/XX/XXXX, the whole amt was paid on that date, new bill for XXXX show a interest of XXXX and chg
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The credit bureau has reported XXXX late payments and Ive tried disputing them with company. I was told system doesnt go back that far.
|
| 09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
1 Open/Late Payment Account Account Name : AVANT Account Number : XXXX Account Name : US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020
|
| 04/25/2022 |
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
|
|
Web |
|
|
Three credit cards were opened using home address with three different names. All three credit cards received in mail on XX/XX/22.
|
| 05/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
XX/XX/XXXX, XXXX The company ran a credit report under my name, but I never apply for any credit card or loan with this company.
|
| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This bank is falsely reporting information to the CRAs my account balance is XXXX and they are reporting XXXX as a balance
|
| 09/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Older American, Servicemember |
|
Closed the account, did not return the credit balance, as requested, several times.
Account number XXXX XXXX XXXX XXXX
|
| 02/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I am not interested in Annual Fees provided by this company & would like my account closed since fees are being charged
|
| 06/10/2022 |
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
|
|
Web |
|
|
i wrote about a chg on my acct back in XXXX,, and want this chg taken off as if was chg a # of times on same merchant
|
| 08/03/2021 |
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
|
|
Web |
|
|
Unauthorized credit inquiry from Avant on XX/XX/2020. I sent a letter to XXXX to have removed with no success.
|
| 10/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I have been trying to get my account unlocked since XX/XX/2022. I have spent hours talking to them about this.
|
| 08/26/2021 |
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
|
|
Web |
|
|
Avant reversed all charges then went and put the charges back on card after responding to your inquiry.
|
| 06/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt is not mine, Avant has not shown any original paperwork indicating that I took out this loan
|
| 07/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Servicemember |
|
The due date was changed without my authorization and now a late fee and overdraft fee will result
|
| 09/24/2021 |
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
|
|
Web |
|
|
No way to opt out of the emails. Unsubscribe takes you to their homepage with no link to opt out.
|
| 03/10/2021 |
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
|
|
Web |
|
|
it has been over 30 days and the company has not responded to my request sent by certified mail.
|
| 06/25/2023 |
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
|
|
Web |
Older American, Servicemember |
|
Their card was never received nor ever activated yet they are attempting to bill bogus charges.
|
| 04/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This Credit card company calls my phone number 3-5 times a day every day. That is harassment.
|
| 07/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
They denied me for a settlement. I explained to them that my income decreased significantly,
|
| 05/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Avant- missed payment on XXXX XXXX. Closed account months ago and still accumulating fees.
|
| 10/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
avant llc sold my debt to XXXX XXXX XXXX without my written consent that identity theft
|
| 11/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This avant- sends me emails daily and calls everyday used to call multiple times a day.
|
| 12/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
co doesn't take pymt over the phone, when i call the the # on the statement to pay it
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I was a victim of XXXX data breach and inaccurate information needs to be removed.
|
| 04/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
I was trying to apply the Military Lending Act to my credit card and was denied.
|
| 07/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
Been trying to get SCRA benefits applied to my account, I've been unsuccessful.
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have no relationship with this company and I did not authorize this inquiry.
|
| 07/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
I was declined credit limit extension under applying with good faith.
|
| 09/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This accounts need to be verify or also remove off my credit report
|
| 08/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recognize this item on my credit report remove this immediately
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My information with XXXX has been breached and heres the proof.
|
| 02/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I had sent in a cease and desist letter and notice of dispute
|
| 09/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account is fraud and was not opened by me, XXXX
|
| 02/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 01/30/2024 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
|
| 01/27/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 01/21/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Didn't receive services that were advertised
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
|
| 01/14/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
|
| 01/13/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 01/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Postal mail |
|
|
|
| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Phone |
Older American |
|
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Phone |
|
|
|
| 12/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Phone |
|
|
|
| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 11/14/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 11/12/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/30/2023 |
Yes |
- Credit 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
|
|
Phone |
|
|
|
| 10/29/2023 |
Yes |
- Credit card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Credit 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 |
|
|
|
| 10/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Phone |
|
|
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 10/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
|
|
|
| 09/19/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American, Servicemember |
|
|
| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/28/2023 |
Yes |
- Credit 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
|
|
Phone |
|
|
|
| 08/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/16/2023 |
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
|
|
Web |
|
|
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
|
|
|
| 08/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 08/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 08/13/2023 |
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
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
|
| 08/04/2023 |
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
|
|
Web |
Servicemember |
|
|
| 08/04/2023 |
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 |
|
|
| 08/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Servicemember |
|
|
| 07/22/2023 |
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
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Phone |
Older American, Servicemember |
|
|
| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Postal mail |
Older American |
|
|
| 07/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/15/2023 |
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
|
|
Web |
|
|
|
| 06/08/2023 |
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
|
|
Web |
|
|
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 06/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Phone |
Older American |
|
|
| 05/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
|
|
|
| 05/19/2023 |
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
|
|
Web |
|
|
|
| 05/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Phone |
Older American, Servicemember |
|
|
| 05/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Referral |
|
|
|
| 05/17/2023 |
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
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
|
|
|
| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/09/2023 |
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
|
|
Web |
Servicemember |
|
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 05/02/2023 |
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
|
|
Web |
|
|
|
| 04/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 04/13/2023 |
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
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 04/11/2023 |
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
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/10/2023 |
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
|
|
Web |
|
|
|
| 04/06/2023 |
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
|
|
Postal mail |
|
|
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 03/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Postal mail |
Older American |
|
|
| 03/16/2023 |
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 |
|
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 02/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
|
| 02/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 02/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 02/11/2023 |
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
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 02/08/2023 |
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
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 01/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 01/26/2023 |
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
|
|
Postal mail |
Older American |
|
|
| 01/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 01/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 01/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 01/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
Older American |
|
|
| 01/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Older American |
|
|
| 12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/29/2022 |
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
|
|
Web |
Servicemember |
|
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 12/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 12/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 12/05/2022 |
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
|
|
Web |
|
|
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 11/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Phone |
Older American, Servicemember |
|
|
| 11/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Phone |
Older American |
|
|
| 11/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/04/2022 |
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
|
|
Web |
Servicemember |
|
|
| 11/04/2022 |
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
|
|
Web |
|
|
|
| 11/03/2022 |
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
|
|
Web |
Older American |
|
|
| 11/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 11/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
Older American |
|
|
| 11/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
|
| 10/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 10/27/2022 |
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
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American, Servicemember |
|
|
| 10/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/26/2022 |
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
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
Servicemember |
|
|
| 10/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
|
| 10/24/2022 |
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
|
|
Web |
|
|
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 10/19/2022 |
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 |
|
|
|
| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
|
| 10/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 10/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 09/30/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
|
|
|
| 09/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 09/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/20/2022 |
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
|
|
Postal mail |
Older American |
|
|
| 09/19/2022 |
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
|
|
Phone |
|
|
|
| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 09/07/2022 |
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 |
|
|
|
| 09/07/2022 |
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
|
|
Referral |
|
|
|
| 09/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 09/02/2022 |
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
|
|
Web |
|
|
|
| 08/31/2022 |
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
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
|
| 08/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Phone |
Older American |
|
|
| 08/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
|
| 08/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
Servicemember |
|
|
| 08/24/2022 |
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
|
|
Web |
|
|
|
| 08/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
|
| 08/20/2022 |
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
|
|
Web |
|
|
|
| 08/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
|
| 08/09/2022 |
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
|
|
Web |
|
|
|
| 08/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 08/06/2022 |
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
|
|
Web |
|
|
|
| 08/05/2022 |
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
|
|
Phone |
|
|
|
| 08/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Phone |
Servicemember |
|
|
| 07/27/2022 |
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
|
|
Phone |
Servicemember |
|
|
| 07/22/2022 |
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 |
Servicemember |
|
|
| 07/22/2022 |
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
|
|
Phone |
|
|
|
| 07/21/2022 |
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
|
|
Referral |
|
|
|
| 07/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 07/19/2022 |
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
|
|
Web |
|
|
|
| 07/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
|
| 07/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 07/14/2022 |
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
|
|
Web |
Older American |
|
|
| 07/14/2022 |
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
|
|
Referral |
|
|
|
| 07/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 07/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Phone |
|
|
|
| 07/12/2022 |
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
|
|
Phone |
Servicemember |
|
|
| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 07/11/2022 |
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
|
|
Web |
|
|
|
| 07/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 07/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 07/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/06/2022 |
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
|
|
Phone |
|
|
|
| 07/06/2022 |
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
|
|
Web |
|
|
|
| 07/06/2022 |
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
|
|
Web |
|
|
|
| 06/30/2022 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
|
| 06/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
Older American |
|
|
| 06/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 06/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/21/2022 |
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
|
|
Web |
Servicemember |
|
|
| 06/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/16/2022 |
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
|
|
Web |
|
|
|
| 06/14/2022 |
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
|
|
Web |
|
|
|
| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 06/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 06/03/2022 |
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
|
|
Phone |
|
|
|
| 06/03/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/01/2022 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
Older American |
|
|
| 05/30/2022 |
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
|
|
Web |
|
|
|
| 05/27/2022 |
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
|
|
Web |
|
|
|
| 05/27/2022 |
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
|
|
Web |
|
|
|
| 05/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/25/2022 |
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
|
|
Web |
|
|
|
| 05/23/2022 |
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
|
|
Web |
|
|
|
| 05/21/2022 |
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
|
|
Web |
Older American |
|
|
| 05/19/2022 |
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
|
|
Web |
|
|
|
| 05/18/2022 |
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
|
|
Web |
|
|
|
| 05/17/2022 |
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
|
|
Web |
|
|
|
| 05/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 05/16/2022 |
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
|
|
Web |
|
|
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/16/2022 |
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
|
|
Web |
|
|
|
| 05/14/2022 |
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
|
|
Web |
|
|
|
| 05/13/2022 |
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
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 05/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Servicemember |
|
|
| 05/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/09/2022 |
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
|
|
Phone |
|
|
|
| 05/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Phone |
Older American |
|
|
| 05/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Phone |
Older American |
|
|
| 05/04/2022 |
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 |
|
|
|
| 05/04/2022 |
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
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 04/18/2022 |
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
|
|
Web |
|
|
|
| 04/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 04/17/2022 |
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
|
|
Web |
|
|
|
| 04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with cash advance
|
|
Web |
|
|
|
| 04/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
|
| 04/08/2022 |
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
|
|
Web |
|
|
|
| 04/05/2022 |
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
|
|
Web |
|
|
|
| 04/05/2022 |
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
|
|
Web |
Servicemember |
|
|
| 04/04/2022 |
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
|
|
Web |
|
|
|
| 04/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 03/29/2022 |
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 |
|
|
|
| 03/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Phone |
|
|
|
| 03/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 03/22/2022 |
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
|
|
Web |
|
|
|
| 03/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with cash advance
|
|
Web |
|
|
|
| 03/10/2022 |
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
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Servicemember |
|
|
| 03/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 02/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 02/11/2022 |
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
|
|
Web |
Servicemember |
|
|
| 02/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 02/09/2022 |
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
|
|
Web |
|
|
|
| 02/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Phone |
|
|
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 01/19/2022 |
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
|
|
Web |
|
|
|
| 01/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 01/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 01/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Referral |
|
|
|
| 12/29/2021 |
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
|
|
Web |
|
|
|
| 12/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 12/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 12/15/2021 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 12/10/2021 |
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
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 12/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 11/11/2021 |
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
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 11/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Older American |
|
|
| 11/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 10/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 10/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/19/2021 |
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
|
|
Phone |
|
|
|
| 10/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 09/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 09/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
|
| 09/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Phone |
Older American, Servicemember |
|
|
| 09/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 09/02/2021 |
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
|
|
Phone |
Older American |
|
|
| 09/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 08/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Phone |
Older American |
|
|
| 08/19/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 08/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
|
|
|
| 07/15/2021 |
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
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/12/2021 |
No |
- 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
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 05/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/13/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 05/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Phone |
|
|
|
| 05/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 03/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 03/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/03/2021 |
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
|
|
Web |
|
|
|
| 02/25/2021 |
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
|
|
Web |
|
|
|
| 02/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Phone |
Older American |
|
|
| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/21/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
|