Avant
Reviews and Complaints

I have had an account with Avant since June. I have tried multiple times to activate my card and with the first card I was told I had reached the activation limit. From that point I have been sent 4 more additional cards which I did not activate but had the rep try to activate. They all received the same error of too many attempts even though it was the first time trying to activate it. The account number has been changed (by my suggestion) and still it did not rectify the issue. None of the reps have any clue what they are doing it seems and have no senior leadership there to instruct them on how to fix the issue. I have been told multiple times that my issuer would be escalated and the time frame keeps changing from 7 days to 7-10 business days, to 15 business days. This seems to be done just to get me off the phone but no one clearly has a way to fix this. It seems to be and with my name i assume cause nothing is fixing the issue. I paid the annual fee the second I got the card and have never been able to use this account. I asked for a refund for that and for some reason my payment which they received in 2 days. Will take 3weeks to refund? This has been the worst customer service experience I've ever had at a credit card company.

I got a loan in 2017 with this company. I ran into a few problems later and deferred a few payments was told that this would not negatively affect my loan. Just this month was suppose to be my last payment (4/11). I get an email that I still have an over due balance. As I see a few people on here had the same problem. Now they want me me to pay an extra 5800 on the loan. But they over charged my interest by this amount and they will not answer any of my questions on the interest. I noticed that this was going to be a problem and I started asking questions month a head of time. The representative just told me that everything was computer generated and then I asked to talk to a supervisor or someone with more knowledge and I never received a call back. Then as I did research I noticed that there was a lawsuit on them and 2019 and that so many people are having problems with this company. This company doesn't deserve to be in business anymore and as much as these people who relied on this company for help and they get away from over charging people. They should have been shut down by the ***. I would stay away from this company. I was stuck with a 35% interest rate and after two years and on time payments they wouldn't even look at lowering the interest rate to help me out. "

When I first started using Avant, they seemed like a great company to help you establish credit. I started with a 4K loan and halfway through payment, they reached out and asked it I would like more funds. I accepted and was given a *** loan. Payment plan of 339 dollars for three years. I paid every single payment on time for three years, paying and making the last payment on July 19. All payments were auto enrolled, which made it convenient.On September 9, I received an email from Avant, that I had an outstanding balance with interest. I was confused as I paid off the loan in July. In looking at my account, it stated that I had only paid 94% of the principal loan and still owed $402 dollars and no payment was scheduled as July was my last one. After contacting customer support, they come up with a story that I changed a date in 2018 and the 400 dollars accumulated over the three years. However, in looking at all my payments over the three years, not one of them are missing or changed. I also asked for it in writing where I supposedly changed this date. The agent said that was impossible since it was a verbal agreement. What a load of c*** How can I not be notified two months after payoff that I still owe and drawing interest? I no longer trust this company and I would not do business as well. Buyer Beware!

I received an alert that someone had placed a credit inquiry on my account--the name was Webbank/Avant LLC. I hadn't applied for a loan or tried to open an account. I called Avant LLC immediately, and they said their fraud department would get back to me in 5-7 business days. In the meantime I put a freeze on all of my accounts, filed a police report, and watched my accounts like a hawk. Of course my credit score had decreased. Over a week later I received a request that I submit a bunch of paperwork to them, file a report with the *** get a document notarized, etc. I did all of that, sent it off a few weeks ago, and haven't heard a peep from their fraud department. Yesterday I received an alert that the credit card account with Avant is open, and there is a $39.00 charge, (from everything I'm reading from similar situations it's a fee.) At this conjuncture, it is clear they haven't done anything to stop this person from opening the account. Weirdly, this person took out the account with an old address and my maiden name--it's pretty clear Avant doesn't actually do a proper credit/background check. Now I have account disputes going with Transunion, Equifax, and Experian to get this matter resolved. I am incredibly freaked out, frustrated, and disturbed by this company's practices, and I hope they will be shut down soon, because everyone seems to be encountering fraudulent accounts with them.

Wonderful, except... The credit card customer service is terrible, there are so many banking standards broken with no experience. The rep basically said I'm only allowed to have 1 card per customer. Even though, I asked her if she could apply for a second one on my behalf and mentioned removing my offers (I like offers)... Not helpful at all. Then I told her I asked because I couldn't get a credit line increase and explained that a second card would be useful. However, to no avant... Sorry, avail(website doesn't allow you to apply twice even if you have another offer, as soon as it recognized my social it asked if I wanted to not only login but also change my password lol). The rep basically shooed me away with, "do you have any more questions?" So I asked, where is Avant's headquarters? And she replied, Chicago, Illinois. Honestly, I love the app, the experience, and everything except not being able to apply twice and the terrible, unregulated credit card customer service that broke so many banking laws in one conversation is not hard to imagine it's happening on every call... You don't tell a client you can only apply once lmaoooooooo. You don't say, without a credit license, apply for a credit line increase after 6 months ***. Anyway, that was my experience with terrible customer service, not being able to apply twice, and just remember, the app is beautiful, excellent job done. Thank you.

I got approved for a small credit card almost a year ago I use the online app to make payments. My card was reported lost in nov 2022 the 1st rep stated 7 to 10 business days for a new card. She also stated the card would be deactivated Understanding mail can be slow due to holidays I waited on Dec 17th I called again I made a payment and the rep told me she would send the card out again and it would take 7 to 15 days. This rep claimed to be a supervisor because I asked to speak with one Its now Jan 3, 2022 I spoke with a rep today first she said due to the weather my card was late, then she said a vendor is the reason the card was late and it can take up to 5 weeks meanwhile I have small bills coming off of this card I asked to speak to a supervisor she put me on hold then came back as usual no supervisor is available! This is how it is EVERYTIME i call. furthermore I was told when opening a credit card making on time payments for 6 months I can get credit increase this is not true. Instead of waiting for an imaginary card, pouring my money into something I will not benefit to build credit with this company I cant get help or answers when I need it! I just want to know when I pay off this small balance and close my card how long will that take? How will it affect my score? Do they do balance transfers? I guess with this company you gotta take your chances. I will pay off and cancel! The company always says escalating the issue but never no resolution.

I applied for a credit card through Avant and later received my card agreement information, but the credit card itself was missing. I contacted Avant customer service, and the representative informed me that the card should have been included, so they canceled it and issued a new one. The next day, I called again to correct my email on file and to confirm the dispatch of a new card. However, this time I was told the first representative was mistaken; the card was supposed to arrive separately. Eventually, my original card arrived, but I couldn't use it as it was locked due to a fraud report from the first representative. Despite multiple attempts to contact customer service, including requests for a supervisor callback and direct communication with the fraud department, I received no response. I also emailed them twice with no reply. Now, I have both cards and cannot use either, while the company appears on my credit report for a credit line I'm unable to access. My attempts to change my email have failed, risking my personal information being sent to an unknown recipient. This experience has led me to believe that the company's service is inadequate.

I was a loyal card holder looking for help. I was paying my *** online as I normally do and noticed charges totaling more than $1700 from several merchants on JANUARY 18 2022 in hopes of helping me ( a loyal customer who has ALWAYS paid my *** on time for years APRIL 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 february 8th 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 (S... from the *** 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 Complaintsboard.com 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. As I read all these other customer complaints so similar to mines I Hope that this company finally get shut down and we all get justice in these matters. This is so unfair and flat out robbery!

Avant LLC opened a credit card for someone that obtained my information fraudulently. I called them as soon as I received the alert from Experian. They sent me an email with a blank *** as to what I was supposed to do to resolve the situation & have the inquiry removed from my credit reports. I sent them the completed affidavit, signed by the police officer that took my ID theft report, signed by me, witnessed by a third *** sent them the official copy of the police report & a copy of the complaint I filed with the *** Protection Bureau.I also sent them a copy of my ID & other documents to prove that I am *** faxed this packet of information to them 5/20/22, I received a fax report saying that all pages were sent. I called Avant on 5/23/2022 & spoke with someone who told me that the documents were received & the issue was being worked on. Today I received an email that was identical to the first email I got from them telling me to provide the documents I already provided. I immediately called the customer service number they provided & spent an hour & 12 minutes on the phone with a call center that told me they haven't received the packet of documents. They were unable to answer any of the questions I asked them. I posted my experience on social media & was contacted by a customer service "bot" asking me to private message them my information. I did that & I was told to call a different number which sent me to the same call center I already spoke to. This company makes it easy for people to commit fraud & difficult for the innocent people to dispute the fraud. This results in ID theft victims being victimized a 2nd time. This company is trash & should be avoided at all costs!

I was late on my payment by 3 days, it was an oversight, had never been late before. I called to have a one time late fee removed and was informed I would get a decision on it. I set up a payment as well for them to take out $50.00 but to my surprise the next day Posted Date:2/21/2022 Effective Date:2/21/2022 Description:Point of Sale Debit L340 DATE *** SQ *AVANT LLC gosq com Credit:Debit:$50.00 Posted Date:2/21/2022 Effective Date:2/21/2022 Description:Point of Sale Debit L340 DATE *** SQ *AVANT LLC gosq com Credit:Debit:$50.00 Posted Date:2/21/2022 Effective Date:2/21/2022 Description:Point of Sale Debit L340 DATE *** SQ *AVANT LLC gosq com Credit:Debit:$50.00 Posted Date:2/21/2022 Effective Date:2/21/2022 Description:Point of Sale Debit L340 DATE *** SQ *AVANT LLC gosq com Credit:Debit:$20.00 Posted Date:2/21/2022 Effective Date:2/21/2022 Description:Point of Sale Debit L340 DATE *** SQ *AVANT LLC gosq com Credit:Debit:$20.00 Posted Date:2/21/2022 Effective Date:2/21/2022 Description:Point of Sale Debit L340 DATE *** SQ *AVANT LLC gosq com Credit:Debit:$20.00 They kept trying to take money until my bank noticed the transactions and stopped them. Every time I call them, theyre still asking about why my payment was late and if I wanted to take care of it now. They claim they dont show a payment at all, meanwhile theyve taken more than I agreed to. Im more than upset that their system is so antiquated that they cant even see these charges! Ive asked for my call to be escalated, and no one will answer. It sounds like the customer service people work together in their living room while playing a card game. The most unprofessional experience Ive ever had with a credit card company. At this point I dont care what they do, Ill not use them again. Oh by the way, they denied my late fee removal request also lol

This company has been absolutely wonderful! As a recommendation to rebuild my credit starting in 2014, I took out a loan with Avant. They got me the money in a very timely manner and the customer service was great. After a while, I was placed in a bad position when purchasing a house. I fell into collections with Avant. They were still courteous and helped all they could to help get and keep me on track. Another while later, I lost my job and my house. I had lost the ability to pay anyone during this time. I never heard from Avant. But they continued to report me good on my credit report. I vowed to repay that last little bit that I owed them when I found another job but I was never able to keep the job long enough to get to a point to repay that final amount. Yet, they continued to report good on my credit report and never tried to collect it. Fast forward to today, I have been on my current job for the past six months and I was putting Avant in my plans to pay the last payment on this loan. I get an email saying that the final amount has been forgiven! I was floored. I am almost in tears writing this because I really wanted to do right by this company to settle the debt as gratitude for the way they have treated me. I am not saying that they will do this for everyone, but as for me, I cannot thank Avant enough for this and your service and patience with me over the past few years. I am very sorry that I fell just short of completing this loan. I still intend to write a direct letter to the customer service department giving my sincerest gratitude for this. After this, I would recommend Avant, LLC to anyone who needs a loan. No company is perfect, but with effort, kindness, and willingness to resolve your issues, there are businesses that will work with their customers for the benefit of both parties. Thank you again Avant for everything!

There was an unauthorized debit card payment taken from my checking account on two occasions with the vendor Avant on 06/15/22 and on 07/15/22. I did not authorize two payments in the amount of $100 each from my account. I received an email for each transaction which let me know that the payment was coming out. Because I am very good with paying my bills on time, I thought maybe for the June payment I had set up the payment on an earlier date and just forgot. I waited until this month to confirm if my speculations were correct; I had not set up a payment and the monies are pending in my account for a payment. I made a call to the company because I did not set up those payments. I received an email on 7/15 (5/15 also) that instructed me to call the company before noon central time to have the payment changed or cancel the authorization. I spoke to Biance on 7/16 who told me the payment is pending but she could not do anything and had to escalate my call. She escalated my call to her supervisor *** who then informs me it will take 14 days for the escalation team to review. I had two questions for the supervisor; please point me in the right direction on the website where I set up the payment and why does it not show any scheduled payments nor recurring payments? I will allow the state to investigate, and I would like to open a case for the SEC to look at this company because I know I am not the only customer this is happening to. Biance attempted to tell me to have my bank reverse the charges - that should not have been her response when I am following the instructions on the email. I did take care of disputing the charge with my bank and I also had them close my account. Also, the website does not allow you to remove your card as a payment and it does not allow you to make any changes on payments pending. Biance did remove my card from the account. This is very illegal and bad practice for this business.

I was notified today through my credit monitoring agency that my credit score had changed. When I checked, it had changed by 49 points. Someone had opened an account with Avant without knowing, as the status stated, "WEBBANKAVANT". I called WebBank through the number on their website. The person help me close the account, however every time I asked for information about the account, like the type of account it was, what was the balance, where was the transaction made; I was put on hold for 2-3 minutes. After the account was "closed" (which I have no verification is was closed), they "transferred" me to credit services, which I was on hold for about 5 minutes an then the call was dropped. When calling back, I chose the option that sounded like credit services. That person notified me that it needed to be dealt by Avant, which it seemed she was not. She transferred me to "credit services". The next person told me that I needed to speak with ID Fraud and gave me another phone number to call, which resolved to Metro Credit Union in ***, which seemed odd that I was speaking to a place near where the transaction took place. A person answered the phone, asked my name, and then put me on a long hold. Someone different eventually picked up, they "registered" my fraud claim and stated that the fraud department would contact me "via email" in 5 days. When asking for a phone number for the fraud department to be able to call if I did not receive correspondence in 5 days, they told me I could only email them.After speaking with 5 different people, I am still unsure if my account was closed nor if my ID theft / fraud was registered.For a company that specifically states that they take security seriously, the maze of calls did not give the impression. The people themselves sounded sympathetic, however without confirmation that my time was valued by the company, it all seems useless. I have little faith that I will receive an email in 5 days

I've had problems with this card that, ultimately, drove me to close the account before I paid my balance back in full. The last straw for me was them refusing to put an $80 payment in my "Available Credit" with the claimit had already been placed in my account. IT WAS NOT! My balance at the start of the month was $340. I paid them $80, spent $83, expecting the next $80 to be placed back on the card. They tell me that it takes *** my Available Credit, which is very odd, in the first place (no other card I have does this). I paid them on the 3rd of Nov 2022, Since the 10th day this month came on a Sunday (not a business day), the payment never showed up. However, it did not come the following day either. I called the company, and the rep said that the $80 would be reflected in my Available Credit by the end of Nov 14. I accepted. The money never came. I called them again, and another rep tells me that the money was already placed on my card on the 3rd, which is a lie because my Available Credit NEVER reflected $80 being placed on it. This rep kept repeating that the payment "posted" on the 3rd, yet I tell her it never showed up in my Available Credit. She repeats the lie that it was available on the same day the payment posted. I tried explaining to her that the Available Credit never reflected the payment, and she soon hung up on me. I had issues with the company before, from them rejecting my bank account due to problems on thier site, to my purchases being flagged as fraudulent by thier automated system. I don't know if I've done the process right, but I immediately closed my account after realizing that they were going to continue to lie about the $80 that never showed up in my Available Credit. I'll pay what I oweThe company and its reps have always had a hint of negligence regarding me as customer. It all started with them rejecting a plentiful payment source they'd taken from, and it went down from there.

Avant is sketchy to say the least. Upon opening an account- their website looks totally normal and like a legitimate bank. Plenty of information, content, all the right menu options, perks, services, security, etc. Once approved, their app, at face value, appears completely normal as well, containing all of the right verbiage and visuals to make you not think twice about their legitimacy. However, when you see fraudulant charges on your statement and attempt to handle the situation, it becomes very clear that this is NOT your average credit card company.Their "lock your card from your app, instantly" is a lie. When you click the button to do so, it provides you a phone number. No matter what resource you're looking for on your account, all buttons direct you back to a phone number. When calling it becomes even more clear this is some kind of back *** operation and is completely suspicious. The hold music is out of a horror movie and ive learned Avant truly doesnt have any real employees or departments. They have a call center of people who answer for several companies just like Avant and then will transfer you to another "department" where the person answering is also not employed by Avant. Just a completely suspect operation all together. Really makes you question things. We're so worried about protecting our information and money yet blindly give it to companies like this who are making a killing taking advantage of our sense of security with banks yet I cant help but question if companies like Avant are the ones we should fear. I would be SHOCKED if I got my money back on the 7 fraudulent transactions.The my card was used more than 600 miles away from anywhere I have ever used my card yet I received no warning emails, calls, texts, etc. and my card was not frozen. It has taken me 2 weeks to get in touch with anyone in the fraud "department" and even that was a completely weird process/conversation.I absolutely would not recommend this company.

If I could give less than one star I would honestly do so. This is the worst credit card company that I've ever experienced in my life. The issue started on July 7, 2022, when I logged in to check my account. I noticed a red flag across my account stating that my account was blocked. I called to see what was going on after waiting on hold for 40 minutes. I was told that there was a fraud charge on my account. I confirm that it wasn't fraud and that I had made the purchase. If I never checked my account I would've never known this even existed because they didn't reach out. After being on the phone for almost 1.5 hours it was finally escalated to a supervisor and she contacted the fraud department. Usually, with a suspected fraud charge they reach out and ask if it was you. I told her I did not need a new card because it was a purchase I made and do NOT send me another card. The supervisor escalated this situation to her supervisor. She told me instead of waiting 2 business days to have this resolved it would be resolved by COB which would be no later than 11 pm EST. The next day on 7-8 I noticed I had the blocked red banner off of m account I attempted to make an amazon purchase and it was declined. I called and was told my card was active but the purchase was declined because all cardholders are unable to make online transactions. I was able to use my card 7-9,7-10, and 11 with no issues. On ***, I made an online Jersey *** transaction and it was approved. I went to the grocery store that was declined and attempted to make an ezpass purchase which was declined. The code I received was suspected fraud. I called the company again and they said oh your card doesn't work because we sent a new one. This is all after the supervisor removed the hold and me being able to use my card every day since.If I could erase this whole account I would. Now I owe them money of course but I wish I NEVER OPENED THIS ACCOUNT.I DO NOT RECOMMEND AT ALL! PLEASE AVOID!

I had a zero balance on my account for a long time but didn't close it as I didn't want it to impact my credit impacted. In early July, I had fraudulent charges on my account. Waited over an hour on hold to speak to a rep. *** to close my account at that time as I saw MANY people (noted all over the internet that numerous people had the same charges that I had by merchants for ***, *** and ***) had the same fraud charges which to me says DATA BREACH by avant. I was advised no payment was due at that time and they were investigating. Now it's August, account is not closed. They charged a late fee for not paying an annual membership fee despite me asking to have my account closed in JULY stating I owed the membership fee since June (but this was within 30 days of my account having fraud charges). Mind you THEY caused me hours of phone time relating to the fraud charges, so hard to talk to anyone. They refused to remove the annual fee advising Because it didn't close in July and also denied to waive the late fee they charged for this membership fee not being paid amidst the fraud investigation. Several hours of phone calls I'm advised to send an email. That they can only work with what they see on their end and can't help me. Also the supervisor I spoke with stated I was being reported late. I was not late, I was advised acvoubt was on hold due to fraud charges and nothing due. All communications they sent were by email-which went to my spam folder. Not one phone call or letter advising of fraud taking place or if this late fee. Horrible, waste of time feeling if dealing with a circus. Highly do not recommend ever dealing with this company Avant. They are a scam to steal your money and then offer no help to you when something goes wrong. I want my late feel refunded and this account removed from past due as this would have never happened if I didn't have fraud charges. They need to be held accountable for the July 2022 data breach affecting many customers!

This is related to credit card fraud. The fraudulent charges were posted to my account on June 22, 2022. The following are the charges: $119.98 charged from JUOFEXSLIMSHOPCOM, and $39.97 charged from VALLORYPOWER.COM. I contacted the credit card company right away and they shut off the card and removed the charges. However, I received a letter in late September from the Avant Fraud stating that they found the charges were valid and then posted the charges back to the account. In the letter it stated they wanted me to call them, but when the number was called and the extension pressed, it went straight to voicemail. I called this number multiple times and left multiple messages for them to return my call but no one has called me to this day. I contacted the credit card from the number on the back of the card and a lady gave me an email address to contact them and state that I needed them to contact me at *** No one has called me back but have emailed me. They wanted me to file a police report with the local police department. I did contact the *** and spoke to Officer *** He took the information. He also told me that they do not release the incident report to me. He said the credit card company would have to contact them for a release of the incident. When I was informed of the incident number from officer *** I then emailed the Avantclaims and gave them the information like they requested. I stated they would have to contact the police department to have the incident information released to them. They emailed me back stating that I have to send them the report. I can not get that information. No one from this fraud department of this company has contacted me directly to speak of this matter on the telephone. I did contact the the companies that charged me and they told me what the charges were for. The JUOFEXSLIMSHOP was for a fitness app, VALLORYPOWER was for a contest to win an iPhone. I did not charge these.

I have had my Avant account since August 2022. I was initially approved for a credit limit of $3000.00. Very recently my credit limit was decreased from $3000 to $300. This was done without my knowledge or consent, and for no valid reason. I have, since the time of opening, responsibly kept my account in good standing. I have never missed a payment, have never paid late, and have always made payments well above the minimum amount due.Upon learning of the decrease, I contacted Avant customer service. I was told that there was no reason given for the decrease, and that I would receive a letter in the mail at my home address. However, because I am currently out of state on vacation until January 2023, I requested to speak with someone higher in authority who could discuss the issue. I was told that I would need to speak with the "card resolutions team." I was told that there is no phone number to contact them, and that it was not possible to transfer me to anyone in that department. I was told that this team cannot even be contacted INTERNALLY. This makes no sense at all. I was told to contact them via an email address that was provided to me, *** I have sent three emails to this address over the last 3 days requesting a call back regarding my account. I have provided my name, my telephone number, my date of birth, and the last 4 digits of my account number. I have received neither an email response nor a call back. I've tried several times to speak to a supervisor, but the call always disconnects without warning.First, it is highly suspicious to me that my credit limit would be decreased so drastically, given the good standing of my account. Secondly, I am extremely suspicious of the ridiculous run-around I'm receiving and the total lack of response from anyone. There isn't even a valid telephone number to the headquarters located in ***, Illinois. That is highly suspicious. This sort of behavior is indicative of a scam.

About 3-6 months ago Avant solicited me by sending an offer to my house to open up one of their cards, which I did being Ive been rebuilding my credit back up these past few years from a failed business investment. About 2-3 months ago sent me a letter to my house stating my account was deactivated due to inactivity.Last month I got a notification through Credit Karma stating that there has been a change to my credit score. When I opened it up I saw that my credit score dropped by 100 points! I called Avant numerous times since then, they either say there going to get a manager/supervisor (as I have been requesting since the issue has not yet been resolved) and hang up. Or they say it takes 3-5 business days or they say it takes 15 business days. Not once have a received any notification through either text, call, email, or physical mail, from this company regarding my statement balance of $485. To my knowledge my account was apparently closed due to inactivity. Once I received that notification from CreditKarma - I attempted to pay the full balance. Which when I tried to sign through their app (which was the only way to pay) it states my account was locked. I went through the steps to finally Unlock and make a payment. To which it would not allow me to pay the same day, so I scheduled for the next day. Again, reached out to Avant numerous times to get a supervisor on the line. To which they put you on hold and hang up on you. I worked very hard to rebuild my credit back up to where it is, I have about 15 open lines of credit and credit cards with 6 figures in my bank accounts with a 99% payment history . I will not allow my credit to be impacted like this due to the lack of professionalism and communication from this company. Its is absolutely absurd and unjust that a company can get away with something like this. I worked very hard to get my credit back up to where it was for a company to just destroy that due to their own negligence. The issue remains unsolved.

I opened a credit account with Avant in May and was given a $1500 credit limit. A week before june I set up Auto-pay. June I was charged a $25 late fee. I contacted Avant, the agent I spoke with told me that chargers couldn't be disputed or waived until paid first. I paid the entire bill including the $25 late fee. The agent requested the $25 late fee be waived. A month or two later I received a email denying my request to waive the $25 late fee. Prior to this email I've never received a email regarding a upcoming payment due or a $25 late fee being assessed. I contacted Avant several of times after I received the denial email. I never received a callback from a manager. I spent an entire day calling and waiting to speak to a manager. That day a so called manager finally called me back and told me that there decision to deny my request to waive the $25 fee was final and there is and was no documented reason as to why my request was denied. I asked had any requests to waive a late fee ever been approved she said yes. I then told her that if requests are being approved and denied without any reason that's discrimination. She hung up on me. I went to every site that I could to give Avant a one-star rating and comments. I have since not used the card and have paid a payment every single month through auto pay. I received a notification from Equifax that my credit limit was decreased from Avant. My credit limit went from $1,500 to $300. My balance on the account was $144 and my remaining credit to use was $130. I believe Avant did this in retaliation to my reviews and to harm my credit score. I have not had this card one full year and I have not experienced this with any of the other credit cards that I have. I paid the remaining balance of $144 today and filed this complaint. I did not received a notification from Avant that my credit limit would be lowered through mail or email. The agent I spoke with today claims something was mailed out October 18th which is false.

On October 30, I went online to schedule a payment for my Avant credit card from my Bank of America credit card. The balance at the time of the payment was $980.57. I attempted to schedule a payment for $111.00, which was a little over the minimum due, however, after submitting, the confirmation stated the payment was for $1,111.14. I immediately called the credit card company, who advised me that the payment was pending and agreed to submit a refund request and a ticket number was created. They advised me that the charges were pending, they would submit the request and to call my bank if I needed the funds back immediately because their process could take up to 2 weeks, but should be sooner. On November 3, I received an email from Avant advising me that a refund of $77.44 was processed back to my EECU bank account. I called Avant on 11/06 and advised them that this was not the amount of the refund and was advised that the ticket was closed. He offered to open a second ticket and that he would have to submit again and could not tell me why it was closed. I advised again of what transpired, and that I had contacted my bank, Bank of America, who provided a temporary credit to my account for the difference of the payment. On November 8, I received an email advising that they would be unable to honor my refund due to debited as agreed. This is not ok. I immediately contacted them once I received the confirmation that the wrong amount was debited. I honestly think it is a problem in their system. My original payment date was 10/25 and I paid $50.00 on this day, but the amount was rejected and no one could tell me anything but to call my bank. I did and BOA advised no info, no record of payment submitted. I then tried to schedule another payment on 10/25 and the same thing happened. All of this prior to the incorrect payment. I am a single mother with one income. I wo

I was alerted by a fraud department of another credit card company (not WebBank Avant) on 6/21/2022 that I was likely a victim of identity theft & should check my credit report. I ran my credit report & found criminals applied for a WebBank Avant credit card in my name at a fraudulent address on 4/15/2022. Card was issued with a $1,500 credit *** to the fraudulent address. Criminals exceeded the credit line & of course, made no payments. I called WebBank Avant the same day 6/21/2022 & asked for their fraud department. Was told no one available. Next asked for their compliance department. Was told no one available. Next asked for their legal department. Same response, no one available. Next asked for the CEOs office to at least leave a message or speak to executive assistant. Same response, no one available. After close to 1 hour of trying to speak to someone other than the receptionist, I finally was transferred to a supervisor in the credit card department. Was told they knew in late May 2022 the card was fraudulent. They also claimed to notify the credit bureaus the card is fradulent. On 6/22/2022 I confirmed with all 3 credit bureaus they were not contacted by WebBank Avant. I have not received any help, follow up or contact of any kind from WebBank Avant. Everything that has been done to safeguard my credit has been done WITHOUT their assistance. I put an extended fraud alert & credit freeze in place. Also filed an Identity Theft Report with the *** I have spoken with at the credit bureaus tell me I need comfirmation from WebBank Avant that they have closed the fraudulent account & to get a letter from them confirming that: (1) the fraudulent account is not mine (2) I am not liable for the account & (3) it was removed from my credit report. The flip & disrespectful manner they dealt with my call is insulting at best. After reading other Complaintsboard.com complaints, WebBankAvant has a serious problem & lacks proper lending controls

Similarly to other victims, on May 13th, 2022, I was checking my email to see an alert from Credit Karma, about a hard inquiry on my Transunion Report. When I checked, a hard inquiry was done by WEBBANK/AVANT LLC on May 10th 2022. I looked the company up to see that they were a financial institution offering loans & credit cards. I immediately contacted Avant & reported that my info was used fraudulently to obtain either a loan or credit card, as someone tried to apply for a credit card with another company previously. The customer service agent that I spoke with, had me verify my info & then was able to pull up the application & told me that the credit card application was approved & that if the credit card was mailed out already, then they would not be able to do anything about charges already made, but that she would deactivate the card, so that it could not be use any further. I was advised that I would need to fill out an affidavit so that the fraud department could do their investigation & that I could either receive the affidavit by mail or email. I chose email since that would be faster. I was also given the fraud departments email address to follow up with, *** which I did on May 16th 2022. I asked why the credit card application was approved, when I had a Fraud Alert on all three credit reports, that was applied on January 10, 2022 & no additional investigation was done to confirm that it was indeed me requesting the credit card. The representative just apologized for the inconvenience & ended the call. I called again on May 25th, two weeks of not receiving the affidavit to my email, to be told that my complaint was being escalated & that I should hear something within 2 weeks. It is now July 2nd & I still have not received the affidavit OR a response to my email from their fraud department. I have given them ample opportunity to resolve my complaint and they have not. I want them to remove the hard inquiry from my credit report.

I opened a credit card with this company May 2022 and never used it. Early morning June 30, 2022, I received an Avant email requesting I verify a transaction on the account and if it was not an attempt by me to use the card, to call immediately. I called and looked at my account online. I found out there were already FOURTEEN charges pending for June ***, all for $95.76 except one! I locked the card via the app and told their fraud "department "(a subcontracted company!) to close the card. They said they'd open an investigation and I'd receive additional information. I placed two more calls to customer service of *** and another call to the subcontracted company. I received no communications about this. Still the 14 charges were ALLOWED to go from pending, to posted, to being reported as a balance with TWO credit bureaus so far! I have alerted both bureaus about the breach and fraudulent charges. As of now, Avant shows a payment of $25 due later this month and issued a statement with these charges posted! The total balance of more than $1300 is there! Why didn't they STOP the charges at pending when I told them they weren't legitimate? The charges are not even tied to a merchant! They appear as the letters "PF" and people's names in ***, so I don't know what "merchant" this was! A reputable credit card company has a legitimate customer service and fraud division that does not let charges go through until the cc company completes an investigation and determines whether the charges were fraudulent. They do not unduly *** and burden their customers for charges in question. They definitely do not report those charges as a balance due to any credit bureau! I have reviewed other such complaints on the Complaintsboard.com and elsewhere regarding the same issues with Avant. How can one company have so many repetitive breaches, have such poor QC/QA protocols, and still remain in business? Not only is personal consumer information under attack, so are consumers' legal rights.

This company are liars and scammers. They closed my account within a week of me having my card for NO REASON!I opened my account on July 29, 2022. I received my card about a week after that and immediately started spending money on the card. I received an email on August 16, 2022 stating "my account closure request had been granted" but I never submitted a request to close my account. As soon as I seen this email I called the customer service line and was informed that my account was closed due to inactivity for 3 consecutive cycles. The problem is I didn't even have my card for 3 cycles for my account was just opened, and I haven't even received my first statement. The last transaction that I done on the card was August 15, 2022 (the day before) therefore, the inactivity reason for account closer is also invalid due to that reason alone. The representative confirmed she can see my last transaction dated August 15, 2022 as well as seeing my account just being opened. I was told by the representative to send a message to *** in which I did and got this response: "Please disregard the previous email sent to you on 8/16/2022 confirming that you had requested the closure of your AvantCard. This email was sent in error. We are sorry to advise you that we are closing your credit card account for the following reason(s): Inconsistent account information."This is a totally different reason they told me the day before as to why my account was closed. I proceeded to call customer service and they told me that *** had been trying to reach out to me to confirm account information and could not so they closed my account. A LIE AGAIN. I did not once receive a call or email in regards to needing additional information. Since then I have called day after day for 2 WEEKS trying to talk to a manager and they lie and tell me one will call me EVERYDAY and one never does. I just want them to reopen my account due to their mistake!

On August 16, 2022 I initiated a Pre-Qualification offer with Avant for a credit card. It was stated on the website: "Welcome! Let's get started to see if you qualify for an AvantCard.Checking to see if you qualify for an AvantCard does not affect your credit score. "...here is the link as of current today 10/8/2022 as it was on 8/16/2022...https://www.avant.com/apply/155986960?auth_token=st7mph5_tJRxLoAfZDfB&guest_customer=true&application_owner=***&product_type=credit_card&action=custom_landing_page&controller=content#!/personal The long story short, they pulled my credit causing a Hard Inquiry on my TransUnion credit report. (see/read the following details per my TransUnion Credit Report...Inquiries Regular Inquiries Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit information on the dates specified. These inquiries will remain on your credit file for up to 2 years.Name WEBBANKAVANT LLC Requested On 08/16/2022Location *** Phone *** Inquiry Type Individual Name US BANK Requested On 05/20/2021Location *** Phone *** Inquiry Type Individual)When I contacted Avant over the phone regarding this issue, I rightfully asked that they correct the info on my report and they refused (thru email follow-up) stating that "you consented to your credit report being pulled for underwriting purposes." which I replied, "Dear Avant Card Team:Are you calling me a liar? If so, You are wrong! What kind of "Business" is being run there? I did not ever submitted "materials" of any kind to complete a full application process (other than the pre-qualification/soft pull). I never made the decision to authorize a hard pull and if I did, show me the proof with my signature as per the FCRA.Please Complaintsboard.com help mediate this issue, thank you!

Fraudulent charges were made on my credit card issued by Avant. I disputed these charges. The customer support was very rude and didn't care if the charges were removed or not. I had to spend two hours trying to call Avant customer support before I could get a call through. I constantly received a message from Avant customer support, "due to high volume" call back later. I have tried to communicate through email to Avant customer support, but no reply. Now I see on my Avant statement the $95.96 charge on my account for a fraudulent purchase from some guy named PF *** was removed by Avant, and replaced with the same charge of $95.96 for a purchase from some guy named PF *** I DID NOT make such purchases nor did anyone else have access to my credit card. It's clear Avant has been breached, allowing fraudulent charges. Now my Avant statement shows I only have $2 left of my credit limit. That is a freaking lie! Avant is still including the fraudulent charges on my credit card statement! I WILL NOT make another payment on this credit card until these fraudulent purchases are removed, and my statement only shows purchases I made. Yes I'm fed up;. No response to emails to suppose to be Avant customer support. No way to get a phone call through due to their lines always busy, with the message call back later. I thought Avant was much better than this. This is the first problem I had with them where I had to use Avant customer support. It may as well be non-existent. I want ALL of the fraudulent charges removed NOW. Instead, Avant removed the fraudulent charge for a purchase with some guy named PF PF ***, and replaced the same *** charge with another fraudulent charge for a purchase with some guy named PF ***. In the mean time this s*** is hurting my credit report, showing my account has been run up to it's credit limit! Avant does NOT care, and keeps adding back one fraudulent purchase charge after another.

On 05/06/22 I identified an unauthorized hard inquiry on my credit report by a company named WebBank Avant/ Avant. I immediately contacted them 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 team 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 05/16/22 I received an Identity Theft Victims Complaint and Affidavit in which I immediately completed with a Law Enforcement Officer. Upon completion I emailed it back to them per their instructions. On 05/19/22 I contacted them again to ensure that they had received the Complaint and they refused to tell me anything. They also refused to confirm receipt even after verifying my identity. They were acting very suspicious so I went to the Complaintsboard.com and looked up the Company and was horrified to find multiple issues with this company EXACTLY like mine. On May 26 2022 I received an Email From Avant stating, 'Thank you for providing the information required to close your identity theft investigation. Accordingly, we have contacted the appropriate credit bureau(s) to remove our credit inquiry due to identity theft. It may take anywhere from 1-2 weeks for this update to reflect on your credit reports. If you have any further questions or concerns, please email us.' So I waited 2 weeks and contacted the credit reporting agencies to find out that this company had not contacted them about this matter in any way. I want this illegal unauthorized credit inquiry removed. I have also notified the authorities.

In Novemeber 2022 I paid my account in full and told the representative to close the account. A few days later I receive a bill for $4 interest and then a LATE fee of $37 on the interest. I called to tell them I am not paying either charges, I closed this account. Their representatives work from home, and hang up, lie, and today I received another statement owing $112 - all LATE FEES AND INTEREST ON THE LATE FEES. I called again today and supposely got an email address - it does not send. I am contacting the *** and the *** of the *** General to file a complaint against this scheme to extort money from people by threatening to ruin your credit. Do NOT get a credit card with this company. It is a predatory bank who tries to force you to pay fees/interest I asked for the department to contact me regarding my account ending in ***. My name is xxxxxxx. I paid this account IN FULL and closed this account. A month later I receive a statement' for interest and a LATE CHARGE. I promptly called and explained I am noT paying a late fee on $4 when the account was closed.I was on the phone for over an 1 and a half, with your representatives hanging up on me. Now, I speak to a Supervisor named ***, he was to contact me on December 29th - he did not. Your bank is a predator bank who tries to extort money from people. You will not do this to *** need your attorneys name and address in order to serve papers. I am suing AVANT in my local Court for harassment and extortion. I am filing a complaint with the *** and the *** General's Office. The *** or more negatives comments about this bank is true, and now there will be ***. I will not let you get away with this. Oh, and one of your Representatives had the nerve to say "we'll just put this delinquency on your credit report"... A threat to get me to pay monies I do not owe. I expect to hear from you immediately. Then when i said I would not pay this extortion money their representative threatened that they will just show you delinquent on your credit report.

I have not been able to speak to a supervisor or get a call back regarding my issue with customer service. I applied for the Avant credit card on December 17th and was approved. They said it would 7 to 10 business days or 15 before arrival. After waiting for a little over three weeks I called them to let them know I still hadn't received the card. This was January 11th. The customer service rep said they would cancel the card and that I'd have to wait for another card to come. Not even 20 minutes after talking to them, the card was delivered. So I called back to apologize and let them know it came. The first rep said that thats fine, she would cancel the other card and I could use the one that came. I asked her more than once would it be a problem for me to use it immediately, she said no. So I tried to order food a little while later, card was declined. So I called back. Second rep says they can't reactivate the card, that I'll have to wait for another one to come. I explained to her that I was told otherwise. We got disconnected. I called back. The second rep now says, after putting me on hold a minute, that the card has been reactivated and I just need to give it a few hours to work. The next morning I try to use the card. The card declines. I call back again. A third rep now says that it takes two business days for the block to come off of the card. She says it has to be escalated to another department and that's why it takes two business days. At this point I'm very frustrated because I've been by THREE different reps, THREE different things. Either someone is lying or doesn't know how to do their job. I ask to speak to a supervisor. I was put on hold and then told there was no supervisor available. She said she would have them call me back. After a couple hours I called back to ask if a supervisor was now available. I was put on another hold while she pretended to check for a supervisor. Still no supervisor available. Still haven't received a call back. The card already has the $39 annual fee on it of course I'm due to pay in February. But I can't use the card due to the "block". And I don't believe I'll ever be able to use it. If I hadn't been told three different things, I wouldn't feel the need to complain. But I'm certain this card and company is going to be an issue. Especially after reading other complaints.