Avant Reviews

Unreasonable Service and Disrespectful Treatment – Avoid Avant. I’m a 100% disabled veteran who served in three deployments, and I’ve never been treated with such disregard by a credit card company. Avant refuses to work with me on something as simple as adjusting a due date to line up with my pay schedule. Their customer service is difficult to communicate with, and I was treated rudely and without any understanding or flexibility. On top of that, their interest rates are extremely high – This company is a complete ripoff that preys on customers rather than helping them. I will be closing my account at the end of the month and would strongly advise others to stay far away from Avant.

I have never dealt with a rude & poor customer service rep. I called about a monthly fee they started charging me & it was more less sorry about your luck! How can only certain customers be charged??? I had to wait 20 minutes to speak to a supervisor & still poor service. I wouldn't recommend opening account.

Absolutely abhorrent. False advertising. Rate change after hard pull on my credit. Predatory.... to say the least. Speaking to someone with a thick accent 90% of the time and multiple calls to confirm information that was already supplied. HORRIBLE! HORRRIBLE! HORRIBLE! Rate went from 25% after application was submitted to 36% as though I wouldn't notice. From already high (but in range of high interest credit cards) to INSANELY high... loan shark high... payday loan... high. RUN! RUN FAR AWAY from this sleazy organization.

I never thought of it but they are ruthless. During the covid 19, I was hospitalized for a month. During that time somehow I missed a payment. The first time ever. I paid it immediately when I found out. I don't know what happened. I had written a letter explaining I was in the hospital sick and asked for a goodwill removal of the late payment or report it as delinquent. They said in their response no. They were sorry for my circumstances. No compassion. My payment record was perfect until that horrible day. I tried a few times and even wrote to the CEO. He just sent it back to those horrible representatives.

This is the worse credit card company I have ever dealt with, In one month I sent six payments. They only honor one and then charged me late fees at the end of the billing period. I only applied for this card to improve my credit score. It had a $2000.00 limit. In Feb I made a payment of 1000.00. They accepted it. After that they kept sending my payments back to my Bank and I don't know why they never said. The last payment I sent them was 1800.00 which was what I owed. I will never use that credit card again. Very bad experience.

Avant credit card, absolutely the worst customer service. I have had several issues with this credit card, such as charging late fees when the bill is paid early and not removing them. Last month I paid my account in full and I even called in to make sure there were no further charges which I was told there were none and would not be any not even interest and 4 days later I was charged interest and they refuse to remove it. Only apologized for their representative telling me the wrong information. This has been every single time I contact them. They put you on hold and before they actually put you on hold they start laughing, I have never dealt with a company that is so unprofessional. If you get a credit card offer from them do yourself a favor and shred it, because it's not worth the hassle.

This should be a last resort. These people are the bottom of the barrel. After talking to them for an hour and a half about a recent hardship and asking if I could just have a payment arrangement for a few weeks late they assured me they would turn off the auto pay. They did not. That snowballed into the following month in which they added a late fee and also an over the limit fee. It just snowballed into a lot of fees, an unfortunate situation had caused me to be late because they took the auto pay out that snowballed into the following month if that makes sense, causing all of those extra fees which caused a whole lot of other problems on the backend with other bills I had. I closed my account immediately. These people are the bottom of the barrel. Very unscrupulous.

This credit card has a high annual fee for a low credit limit. I paid $175 for a $300 credit limit. I'm still trying to find a way to cancel it and get my annual fee refunded back to me. I have my card in the states but I'm overseas and I can't use it for googlepay or anything.

Jane took all my payment info aka my bank card number then didn’t pay my account. That was 3.00 and something cents so I want to know where my bank card info went!! No one told me then. My bank card info was taken by another person Diane. She said and Jane didn’t take my payment. Just took all my info! So the next lady Diane took all my bank info again!! So what happened to my info that Jane took???? Did Jane steal my bank card info then didn’t pay the payment!!! No one told me. I pd my card off before the date in Jan. Now in Feb and the lady couldn’t tell me what my balance was. How can I get interest on nothing on my card!?!? lol🤣😂

This card is unreliable. I have a high credit limit, but every other time I try to use it, I get declined. No past due balance. I can’t depend on it for example, in a roadside emergency. Paying it off, then I’m done.

I paid off this card on September 28, 2024, I followed by paying off the $15.38 service fee on October 17, 2024. Thus making my balance $0. I have not used it since due to their increasing the interest rate to 35%. On 1/11/25 I checked my app dashboard and saw there was a balance of $26.98. On 1/12/25 I called about this charge and when I asked for a supervisor, I was given the runaround and then told a supervisor would call me back by the end of the day. No one called. I locked the card. On 1/13/25 I called again and was again told supervisor wasn't available. I said I do not want a call back, we tried this yesterday, I'll hold. The supv finally answered 25 minutes later and said she could not see any charges either and will turn this into the complaints department and someone would get back to me.

I have been with Avant Corporation for close to five years and have always made my payments on time. However, my debit card and bank account were compromised by fraud. My bank investigated and found that my account had indeed been compromised. The bank issued me a new debit card and put a fraud monitor on my account. Avant has always sent me payment confirmations to my email when my payment was made and posted in the past by e-mail. I was notified on December 26, 2024, that my account was delinquent to my surprise.

Was approved for a credit card but never received the card. I called and they offered to close the account but they still charged me for the initial fee of $75 plus interest. I told the customer service person that I wasn’t going to pay for something that I never had and she hung up on me.

Customer services do not speak English well, and they wanted my whole SS number repeated over the phone after he said he already had it, why? The whole time I could hear a tv in the background not in English, beeps and crashes, totally unprofessional. If this company wants better clients they should act like professionals because everything your representative did and say was not a good representation that I would want to project if this was mine.

Avant is an absolutely horrible option. Once when my payment was due on a Monday, which was a holiday they took it it out on that Friday. Even though their policy is to take it the following day after the holiday. Recently, I requested for my payment to be moved a week so I wouldn’t have overdraft fees. They moved it to the 25th, but took it out on the 22nd. When you write in and complain they replied they would look into it. They sent me back their policy (written) but they have a different policy that they go by. This is from their own representatives on the phone. Very shady company.

I called in and canceled my credit card with Avant over the phone when they started charging $4.99 a month in July. I received a notification on my credit report that my account was closed. In October, received a bill from Avant with a new $4.99 charge, I called again to cancel and was assured a zero balance. I received another ding on my credit report for closing the account again. Today, November 22, I received a bill with $9.98 charge for 2 months and a $4.99 late fee. Make this all make sense for an account that I canceled. I spoke with the call center with no luck, escalated to a supervisor, she was argumentative and said I owe the balance. Meanwhile, this has not been resolved.

My credit when I signed up for this card was in the fair range. Granted I have done plenty of work on it since and never used this card for many purchases. I was given a $700 credit limit which I never came close to exceeding. I have excellent payment history and have 0 missed payments on any lines of credit. I was initially ok with the exorbitant annual fee and high interest rate 'cause that's the norm these days for a fair credit score. But recently was hit with an additional $9 monthly service charge on top of the $100 annual. I the application has no push notification alert option so I didn't even know that I had a payment because I haven't used the card in 6 months, so not only was there a surprise monthly fee I now had a late fee (which they did email me about).

As like everybody else with low credit scores, I applied and got a $300 limit. I always use the auto pay but with this company no matter you want to pay minimum payment, they changed my minimum payment to the last statement balance. As shows in the picture every time I had to cancel it and just pay the minimum or whatever amount you’re comfortable to pay as long as covers the min payment but this time they charged me the last statement balance, so I called them and asked to refund it but I was told I had to wait till it is posted then call us for the refund.

DO NOT TRUST THIS COMPANY. They will rip you off! If your credit is not perfect and you are just desperate for money, please don't do it, find another way. They will charge you a 36% interest rate and take a fee even before you get your money. It's a juice loan, similar to a payday loan, not sure how this is even legal.

I wish there was a no star option, because, in my opinion, that is what this card deserves. A few months ago they started charging me a service fee of $4.99. No one can seem to explain what this charge is for exactly. It seems that it is not for anything in particular, just to have the account open whether or not there's a balance. This is in addition to an annual fee, if you have one, and the interest charged. I would have never applied for this card had I known that they were going to change the terms on me. Prior to the added service fee I had no problems with this card.

Do not trust these people! I foolishly clicked on their credit card when I was on Credit Karma. I was about halfway into the first page of the application when I backed out, realizing it was for a loan and not a credit card. Or perhaps I read it wrong but either way I didn't want to do anything further. They still pulled a hard credit and they've been telling me ever since it's a soft credit pull even though I've sent them pictures of it on my transient account. These people are ridiculous. It's almost a year now and they're still not understanding what the problem is. I can't seem to dispute it on TransUnion correctly because they keep telling me to call Avant which I have and I've got nowhere. I will never ever use your services.

I paid of my card IN FULL ($588.86 to be exact) before the end of the billing cycle. Two days after my payment posted I get charged almost $10 in interest fees. Yes, they charged me interest on a ZERO BALANCE. I emailed them. They said a rep would call in their response. Nobody called. Three days later I finally get through to CS. India .... of course. Very poor English skills. They refused to remove the fee. I have never missed a payment - EVER. Each month was a higher interest rate it seems. They initially gave me $1,500 limit. Within 6 months it had DECREASED to $750 for NO REASON, and without me signing a new contract. No late payments. I never maxed the card out, etc. AND ... my balance was always PAID IN FULL, or close to it.

Not a good company. Not customer friendly. Not helpful. Telephone system is pathetic. Greedy. Sad. I wanted to get a loan today and I googled companies that will allow me to do that even with my high debt to income ratio and this company was recommended but I do not understand why.

The absolute worst experience I've ever had with a personal/debt consolidation loan in my life. I don't know where these positive ratings come from but then again you can buy them now. I wish I'd seen all the bad reviews because "EVERY ONE IS TRUE". STAY AWAY. This is a horrible company with no underwriting department just customer service in another country who make you say your name 3 times and then spell it every phone call and has no idea what you're saying when you try to explain yourself. They just read a script, if they're the ones making decisions it's no wonder I was turned down. STAY FAR AWAY no matter how desperate you are. They have TERRIBLE customer service. Drug me along for a week supplying more and more personal information just to say no. I am so glad because I couldn't imagine if I'd had a problem and had to call. They have NO CLUE what they're doing. SHAMEFUL this company is in business.

I called the 855 number to Activate my new card, and went through the Automated system, got transferred to CSR that I couldn’t understand. She was asking my name, so I told her, then she hung up on me. I’m not using this card, CS isn’t worth it. No English and RUDE.

Everything started when I was desperately looking for a loan for an emergency when every single lenders refused to offer me a loan. Lo and behold a loan officer from Avant personal loan sent me a contract for $5000 at 7% APR for 36 months. Sounds like a good deal which I accepted. The real hidden danger comes from their application which requires you to put down your personal bank login details for "So that reason we need your online mobile banking user id and password because when we deposit your loan amount into your bank account at that time we take a picture of the transaction and keep a “Digital Records” on your name. If you trying to run with loan amount or if you skip any installment so that time this “Digital Records” will help us to take a Legal Action against on you, you’re “Bank Account” and your “Social Security Number”. Because at that time we can proof yourself that we deposit your “Loan Amount” on this specific Date, Day and Time."

I’ve had a Avant Credit Card for over 2 years. My overall experience has been great until they decided to increase their APR to over 35.99% and suddenly charge a monthly annual fee of $8.99. The annual fee has always been $29 and now it’s $107.88 per year. I’ve always made on-time payments. Also, I’ve close my account so I don’t have to pay these outrageous fees.

Avant credit card has issues if you want to build your credit seek another service. They have a lot of computer systems issues (well that's the excuse they will give). When making payment to your bill double check your payments. They have a few (more than twice) take out double payments. If you're on a tight budget it will mess up your checking account and other bills. Do they refund the money? Yes, but not right away so you are left waiting. Their customer service won't help. They refuse to give answers about when it will happen just they will submit it and you want wait for it to process.

They told me I’d get $7500, they didn’t explain I’d get $750 taken off. They then said they’ll deduct my $750 from my principal balance, but they lied about that, still shows 7500. Don’t trust them!!!

Garbage customer service, garbage servicer. Customer service is a joke, it's all automated or someone from a foreign nation telling you to go back to the automated app. Soulless, lifeless and Unintuitive. Just plain bad. Gave me a credit inquiry and approved the loan but the outdated verification software couldn't confirm. Took a credit hit for nothing.

On Dec 11th 2023. I was approved. I still have not received a card. I called back. They said 10 to 15 days.. Today is January 23 and still no card. I work at the post office.. I don't care if it was mailed from Egypt.. It should have been here by now. I requested another card. Now that's another 10, 15 days.. I got scammed by Credit Karma and Avant Credit Service..

If you don't use their website payment method, they won't credit any other payment method for weeks. This causes a credit report entry as late and incurs late payments. This has happened several times for me including Discover card sending them a payoff balance transfer. They do this despite several calls. BEWARE!

I jumped through every hoop this company had. They did a hard inquiry on my credit, had the correct credit score and they still denied me. They kept wanting more and more information. It was very frustrating. Avoid, don't waste your time. Try anywhere else.

I can only support the other complaints here. I was referred through Credit Karma and, unfortunately I didn't check reviews first, I trusted Credit Karma. I've since submitted a complaint with this page address attached to Credit Karma. I haven't even gotten through the loan process and Avant has pulled all kinds of shady stuff.

Poor Service and could not understand the rep as her English was poor. and Credit Damage: Avoid Avant. I recently had a terrible experience with Avant, and I feel compelled to share my story as a cautionary tale. I'm using a lot of info from another review as mine was similar As an Credit Karma member, I was enticed by Avant's claim of an "outstanding" approval rate. However, my experience turned out to be nothing short of a nightmare. Big nightmare.

Title: False Promises, Poor Service, and Credit Damage: Avoid Avant. I recently had a terrible experience with Avant, and I feel compelled to share my story as a cautionary tale. As an Credit Karma member, I was enticed by Avant's claim of an "outstanding" approval rate. However, my experience turned out to be nothing short of a nightmare.

They say 24 hours to get a decision, and I’m at 72 hours with no decision as of yet. Called in 2 times, and on the second call, I asked to speak with a supervisor. One was not available. Beginning to feel like a scam to get bank information. I used the Credit Karma app to apply, since they suggested Avant, so if this goes awry, I will lose faith in both of these companies.

I applied for a loan and was preapproved and then denied. The whole loan process was less than what I expected. I regret ever filling out the application because it me very dissatisfied with the whole loan process and way below my expectations of a reputable company. I would not recommend this company to anyone looking to get a personal loan.

Other credit card companies have an automated phone payment option where you can call 24/7 to make a payment and never be late. Other companies also answer their telephones when they claim they are there. They also have websites you can log into without trouble. Avant LLC does not. There are only two ways to pay, online or over the telephone to speak with a live person. If they do not answer their phones AND their website doesn't work, oh well, too bad. They charge you a late fee, like they did for my family.

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.