Avant

I received e-mail from Avant/webank saying I owed them yearly dues amount on credit card I knew nothing about, I never got a card and did not sign up for any card or credit of any kind. They want me to fill out a lot of fraud paperwork, all for some yearly fee & if not paid it goes to collections & a credit score hit for something I never ask for.

It came to my knowledge that an account was started in my name with this bank whom I have never done business with or had knowledge of until my issues started. I followed instructions given to me by their fraud team and once the investigation concluded I asked for more information regarding how they obtained my information. They responded back with inaccurate information. I followed up an few times after but I never received a response. I am trying to obtain my information which belongs to me so I can prevent this from happening again. Any company that does not prioritize my security should not be in business.

I received notification that I was "pre-approved" for a loan so applied online. It took about 72 hours for an initial notification, which was followed by 3 separate phone calls, each asking for a new piece of information. Why this couldn't all be requested up front remains a mystery. After each call, I waited 48 hours while they "processed" the information. Following the 3rd call I was assured that all necessary documents had been received and I should get notification of funding shortly.

Trying to build my credit, I was referred to Avant by Credit Karma. I was approved for $1500, which I was pleasantly surprised. It was enough to lower my usage, and my credit scored started to climb. After 4 months (my credit jumped almost 80 points), I made minimal purchases and always paid it off each month. They lowered my credit to $300!!! Dinged my credit....but not enough to hurt it too much. I was just approved for a mortgage! I emailed them and inquired about the decreased credit limit and their response was credit score was too low. WHAT?! Stay away....far far away!

This company is a terrible company, they can't get a thing right and always have excuses for why they can't do the job the right way. When asked for a supervisor they can't find one. They hang up on customers and never solve the problem. They keep you on hold for 20 minutes or longer. This credit card company Avant is a loser! Company. As, soon as I pay them off I'm canceling service and burning the card. BEWARE OF THIS COMPANY. The BBB NEEDS TO BE NOTIFIED OF THIS BUSINESS.

I was sick with Covid-19 two months ago, so I was unable to work because I was left with long C-19 symptoms and I also had a Covid-19 Rebound two weeks later. I called them and made them aware of my sickness. I also made my payment to bring this account current, as I was late on my payment for about 5 days because I had no energy even to get to my laptop or to call them. Unfortunately, I was dealing with many other long-term covid issues. I asked them to please waive the late fee due to my condition with no avail. I was able to get support and help from my other Credit Card companies, but not from Avant. Got my waiver request denied, no matter what. I am going to pay this account off as soon as I am able to, and will definitely close this account for good. Heartless, unemphatic, money hungry. Bad company to have a Credit Card with. Do not recommend. Don't apply.

People stay as far away from this company as possible. You have been warned! APR is sub prrime rates. They're basically bottom-dwelling subprime lenders. They tried to issue me a card, I refused, they supposedly cancelled the card and waived the 59.00 fee because for one, I never wanted nor consented to this card. Two, I never physically received nor have I ever possed one of their cards because three, no matter what my credit score is I can certainly do better than your little 1500 line of credit at 30% APR! YOU'RE A JOKE! They reported to the credit bureaus as me having a new line of credit with them... A LIE and did a hard credit credit check after the said it's a soft check... ANOTHER LIE!

I applied for this card through Credit Karma to help build my credit. I was granted a $2000 limit and used the card two times and paid off my balances right away, again all to help build my credit. I went to make a payment online and found out they had decreased my limit to $300, which will have a heavy impact on my credit score. So a card I chose to help build my credit is now going to have a negative impact on it when they can't even tell me why? They never even notified me and when I called they could not give me an answer as to why? I paid off my balance and closed the card and made a complaint with the BBB. My hope is after seeing all the same reviews the BBB will take some sort of action against them.

This company is unpredictable and messes up your credit. DO NOT get any of their services. I feel I need to warn others the credit card is easy to get and advertised on the Credit Karma app which I thought OK I trust credit Karma so why not. They gave me $1500 limit and I never maxed it out. If I made a purchase I paid it within a week or so. Then after 5 months they DROPPED my credit limit to $300. I called. All I got was a letter in the mail stating my utilization was low and I wasn't carrying a balance. I only get credit cards to build my credit not to max them out so I cancelled it and paid my balance. Because them dropping my credit limit looks shading to other lenders. And because of this I might uninstall credit karma app. Good luck fellow consumers. Just a heads up.

They pre-approved me for a $2000 credit limit, with no effect to my credit score. I accepted because it was a good starting limit (I had plenty of established credit in good standing). Only after they approved me and I accepted did they pull credit (a hard inquiry, which hurts your credit). 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 they reduce my credit to $300. They cite several excuses, all of which were exactly the same as when I accepted the offer, except that my score had increased. I would have NEVER allowed someone to pull my credit for a credit card with a $300 limit. Now I see all of the other reviews stating the exact same thing. They need to be reported to the CFPB for deceptive credit practices. And I'm just the girl to do it! DO NOT TRUST THESE SCAMMERS.