Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/18/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally dispute inaccurate or outdated information being reported on my credit file by your company. Under the Fair Credit Reporting Act (****), I have the right to dispute information I believe is incorrect or too old to be reported. Please review the details below and update or remove the information as required by federal law. Account Name: ********************** *** Status: Closed Issue: 2 late payments reported (Last Activity: May 2021) Request: Please verify this information and correct or remove it if it cannot be substantiated. Please investigate this matter and send written confirmation of any updates or deletions. If the information cannot be verified, it must be removed from my credit report. Thank you for your attention to this matter.

  Business Response

  Date: 04/22/2025

  Hello *********,

  Thank you for bringing this matter to our attention. We appreciate the opportunity to address your concerns.
  We previously addressed your concern in BBB complaint ******** and ticket number 120988.
  Ava Finance furnishes credit history, positive and negative, to the credit reporting agencies based on the product you opted to receive from us which was the Ava ***** You did accept our terms and conditions on July 8, 2022, which states both positive and negative payment history will be reported to the credit reporting agencies. 
  After a detailed review of your account, it has come to our attention that there was 1 instance of delayed payment. Specifically, the payment for the Ava ***** due on August 15, 2022, for the ******* transaction on 8/9/2022 in the amount of $19.99, was received on December 8, 2022. Auto-payments were attempted on 8/15/2022, 9/8/2022, 10/10/2022, and 11/8/2022, however the payment was not able to be completed, with the reason code returned to us as "Insufficient funds". Regrettably, since the payment was received after the 29-day grace ******* it was reported as late in accordance with federal payment reporting guidelines. Consequently, we are unable to reverse the late payment status.
  Your *** Subscription and tradelines were closed on December 8, 2022, no additional updates should have been sent to the credit bureaus after this date. 
  We appreciate your understanding in this matter. If you have any further questions or concerns, please feel free to contact us at ******************************.
  

  
  

  Customer Answer

  Date: 04/22/2025

   
  Complaint: 23223603
  
  I am rejecting this response because:
  
  Sincerely,
  
  ********* ******

  Customer Answer

  Date: 04/23/2025

  Failed to provide method of verification and validation of the debt no wet ink contract are a purchase agreement original failed to do a proper investigation and did not send a. 1099c 

  Business Response

  Date: 04/28/2025

  Hello *********,
  Thank you for reaching out and giving us the opportunity to clarify this matter.
  To address your concerns, Ava Finance is not a debt collector as defined by the Fair Debt Collection Practices Act (FDCPA). Additionally, your account has not been sent to collections or charged off, which means a request for a 1099-C cancellation of debt form does not apply in this case.
  When you signed up for your *** ***** you agreed to our E-SIGN Consent for Electronic Signature and Electronic Delivery of Disclosures and Notices. For your reference, you can review this policy at the following link: *******************************************
  Wed also like to clarify that *** is not a credit reporting agency. We have not furnished any credit information older than seven years. Your *** Subscription and associated tradelines were officially closed on December 8, 2022, and no further updates have been sent to the credit bureaus after that date.
  We appreciate your understanding in this matter. If you have any further questions or concerns, please feel free to contact us at ******************************.
  
  

  Customer Answer

  Date: 04/28/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ********* ******

• Initial Complaint

  Date:04/09/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am trying to pay off this credit card on the app and it isnt allowing me, i attempted to call and email and no response. I would just like to pay it off to stop getting additional debt. The app is not letting me pay or cancel the credit card

  Business Response

  Date: 04/11/2025

  Hello Sebastian,
  Thank you for bringing this matter to our attention. We appreciate the opportunity to address your concerns.
  I reviewed our Customer Support ticketing system but was unable to locate any contact attempts from you using the email address or phone number associated with your account or complaint. If you have ticket numbers or additional details, please share them so we can investigate further.
  Regarding your account, a payment of $17.98 was initiated on April 5, 2025, and successfully processed on April 10, 2025. Currently, your account shows a balance of $11.99, which is scheduled to be automatically paid via the linked bank account on May 5, 2025. You can pay this balance earlier via the Pay Now button in the *** app.
  Due to the longer-than-usual processing time for your April payment, you may have received past-due reminders in error. We sincerely apologize for any confusion this may have caused and want to reassure you that your payment was received on time.
  We appreciate your understanding in this matter and thank you for your continued patronage. If you have any further questions or concerns, please feel free to contact us at ******************************.
  
  

• Initial Complaint

  Date:04/09/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I enrolled in *** in February 2025 to help with my on time payments for the credit bureaus. I paid a 76 dollar yearly subscription. I added a merchant from paramount when I started and later on added a ******* subscription but I was having issues because my limit had exceeded the credit limit I had for *** so I ended up removing my and canceling my paramount subscription so I could use just the *******. I reached out to *** support team because my subscription payment for ******* was being denied because they app is recognizing that I have two subscriptions instead of one. The *** team even told me that the ********* account will delete by the next billing cycle. They even want ahead and changed my *** card and it didn't resolve the issue because my ******* payment was rejected again. I have reached out to *** support team and told them this is an issue on their end and that if they couldn't fix it they should refund my yearly subscription payment. They have ignored my emails and it looks like they have canceled my *** card without even telling me.

  Business Response

  Date: 04/14/2025

  Hello ******,
  Thank you for bringing this matter to our attention. We appreciate the opportunity to address your concerns.
  Id like to confirm that both your *** ************ and *** **** are currently active and available for use.
  Regarding the Paramount+ transactions: We havent seen any charges from Paramount+ on your account since February 9, 2025. I understand the merchant name may still appear in your *** appthis is due to a display issue. Ive already submitted a request to our Technical Support team to have this corrected. Since you mentioned removing your *** **** from the Paramount+ subscription, we went ahead and reissued your card to make sure no further transactions could be processed.
  As for the ******* transaction declines, this was due to timing between when ******* processes your subscription, when your *** **** statement updates, and your available Spend Limit. Ive made some adjustments on our end, and this should no longer be an issue moving forward. The most recent transaction processed successfully today, 4/14/2025.
  We appreciate your understanding in this matter and thank you for your continued patronage. If you have any further questions or concerns, please feel free to contact us at ******************************.
  
  

  Customer Answer

  Date: 04/14/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:04/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  MISLEADING FALSE REPORTING/PAYMENT STATUS IS INCORRECT:AVA FINANCE Accont numbers :4JIOF**** (EQ)5VD9V**** (EXP)IOFA1**** (TRANS)This account is inaccurate and i'm seeking litigation please delete at once.This inaccurate information is reporting on my credit report. I will want it to be removed now. I sent letters on 02/03/2025 and nothing was resolved. I want it deleted now.

  Business Response

  Date: 04/08/2025

  Hello Te'Naysha,

  Thank you for bringing this matter to our attention. We appreciate the opportunity to address your concerns.
  After thoroughly reviewing your account, we identified a single instance of delayed payment. The payment for the *** ***** due on 12/19/2024, was never received. Auto-payment attempts were made on 12/19/2024, 12/23/2024, 1/19/2025, 2/19/2025, and 3/19/2025. Unfortunately, these attempts were unsuccessful due to a "Plaid Relink" error, which indicates that the linked bank account was disconnected from your *** account.
  Additionally, email and push notifications were sent starting on December 22, 2024, to the email address and phone number on file, both of which match the details provided in your complaint. At least four emails and multiple push notifications were issued: one to inform you that payment was due and three to notify you of the past-due payment before it reached the 30-day overdue point. While these payments were set up for auto-payment, these communications also provided a manual payment option to ensure timely payment within the 29-day grace ******* Unfortunately, since the payments were made after this period, they were reported as late in accordance with federal payment reporting guidelines. As a result, we are unable to reverse the late payment status or delete the tradeline.
  To expedite the repayment of your *** **** account, I have included a payment link here: **************************************************;
  In order to stop credit reporting, you can pay off any outstanding balance and cancel your *** ************* To cancel your subscription:
  Log in to your *** account on the app.
  Click on the gear icon located on the top right corner to access the "Settings" page.
  From the Settings page, click on the "Subscription" option.
  Select the "Cancel Subscription" option, and follow the prompts to complete the cancellation process.
  You also mentioned submitting a letter on 2/3/2025. However, we were unable to locate any physical mail or prior communications with our Customer Support team. If you could provide any additional details or correspondence, we would be happy to investigate this matter further.
  Please note that by accepting our terms and conditions on 12/21/2023, you agreed that both positive and negative payment history would be reported to the credit reporting agencies. For your reference, you can review our terms and conditions here: ******************************************************** or in the Legal footer on our website for your convenience.
  We appreciate your understanding and your continued patronage. Should you have any further questions or concerns, please do not hesitate to contact us at ******************************.
  

  
  

• Initial Complaint

  Date:04/01/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  AVA FINANCE *** BMKEWXDVBK7YQRFO**** Balance: $0.00 Pursuant to 1681i(a)(6)(B)(iii), A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION SHALL BE PROVIDED TO ME, THE CONSUMER. I am prepared to seek legal counsel, pursuant to 15 USC 1681o, for willful negligence on this matter, file a complaint with the BBB and also file a formal complaint with the attorney generals office.

  Business Response

  Date: 04/03/2025

  Hello ****,

  Thank you for bringing this matter to our attention. We appreciate the opportunity to address your concerns. We noticed your email address appears to be invalid in the complaint details, we will be sending this information to you as well via Ticket Number 241533.

  Regarding your reference to 15 USC 1681i, please note that Ava Finance is not a credit reporting agency and is not providing a "consumer report" to any parties. This provision of the law addresses credit reporting agencies. We on the other hand, merely furnish credit history, positive and negative, to the credit reporting agencies based on the product you opted to receive from us which was the Save and Build Credit. We do not understand any applicable claim regarding 15 USC 1681i. Additionally, we see you accepted our terms and conditions on January 9, 2024. Our terms state both positive and negative payment history will be reported to the credit reporting agencies, so you were both informed and signed acceptance.

  After a detailed review of your ******** it has come to our attention that there was 1 instance of delayed payment. Specifically, the payment for the Save and Build Credit ******** due on August 30, 2024, was received on October 7, 2024. Auto-payment was attempted on August 30, 2024, however the payment was not able to be completed, with the reason code returned to us as "Plaid Relink". This error indicates the linked bank account has disconnected from your *** account.

  In addition, email and push notifications began on August 30, 2024. At least 4 emails are sent, 1 informing you payment is due and 3 informing you the payment is past due prior to the 30 days past due point. While these payments were on auto-payment, these communications included a manual payment option to facilitate timely payment within the 29-day grace ******* Regrettably, since the payments were received after this period, they were reported as late in accordance with federal payment reporting guidelines. Consequently, we are unable to reverse the late payment status.

  There is a deposit on your ******** to receive your funds, please relink a bank account to your *** account and withdraw your deposit in the app. 
  To add a new bank account to your *** ******** you can do so by following these steps:
  Open the *** app on your device and navigate to the "Settings" section.
  From there, select "Checking Account Connection".
  You should see an option to "Switch Checking Account" - select this option.
  Follow the prompts to connect your new bank account to the *** app.
  

  Then to withdraw your deposit, follow these steps:
  Go to Withdraw: Find the "Withdraw" section in the loan screen.
  Follow the Instructions: Simply follow the on-screen prompts to complete your withdrawal.
  

  We appreciate your understanding in this matter. If you have any further questions or concerns, please feel free to contact us at ******************************.
  
  

• Initial Complaint

  Date:03/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to inform you that accounts have been fraudulently opened in my name with Ava Finance. I am a victim of identity theft and did not authorize the creation of these accounts. Below are the details of the fraudulent accounts:Creditor Name: Ava Finance Opened Date: 11/29/2023 Account Number: ******************High Credit: $252 Creditor Name: Ava Finance Opened Date: 12/18/2022 Account Number: ******************High Credit: $252 I respectfully request that these accounts be closed immediately, and that any negative information associated with them be removed from my credit report. Additionally, I would appreciate receiving confirmation of the accounts' closure and any relevant documentation regarding the fraudulent activity.Thank you for your prompt attention to this issue.

  Business Response

  Date: 04/03/2025

  Hello *******,

  Thank you for bringing this matter to our attention. We truly appreciate the opportunity to address your concerns and are here to help.

  I was unable to locate any contact attempts with the information provided in your complaint. I have sent you an email requesting the below details as well, please look for ticket number 241502.

  To initiate an investigation into your claim, our ************************** requires the following steps to be completed:
  Provide an Identity Theft Report or Police Report
  An identity theft report can be filed with the ************************ (FTC) at ******************************.
  Alternatively, a police report can be filed with your local law enforcement agency.
  Provide identification documents
  A clear photo of a government-issued ** (e.g., drivers license or passport).
  A selfie holding the same **, ensuring both your face and the ** are clearly visible.
  Answer the Following Questions to Assist in the Investigation:
  How did you first become aware of the account or tradeline in question?
  Have you been a victim of identity theft before? If yes, how recently?
  Have you been notified of any data breaches involving your information? If yes, please provide details about the incident.
  Have you noticed any unfamiliar activity on other accounts you own (e.g., social media, bank accounts, email addresses)? If yes, please describe the activities.
  Could you confirm the email address where you have been receiving our communications? 
  Next Steps
  Once we receive the required report, identification documents, and your responses to the questions above, your claim will be escalated to our Risk Operations Team for review. Please note the *** account will remain in a ************ with an active membership until all of the required information has been received. 
   
  Thank you for your cooperation. Were here to support you every step of the way.

• Initial Complaint

  Date:03/25/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I orderedctheir service to improve my rating. When my bank quit using the ************* my auto payment was cut off. I tried to speak wirh customer service for help many times. Sometimes days before response. I cancelled service and thought that was it. Now I have a negative **** on my report because of a late payment. I tried to communicate with them numerous times about this account before this issue. Their lack of customer service and total lack of a timely communication response caused this issue. I asked to close this account. I asked why the negative ****. I paid my past due balance. I did my part to close it and then to fix any issue that was caused by them and their attention to customer support or communications. I asked them to remove the **** and ****** told me no to maintain the integrity of the credit system. Where is their integrity in their mistakes and laziness. This company is either totally inept or severely understaffed or undertrained to service their customers correctly. They do not care about you or your credit They just want to autosraft your account with no issues. If there is an issue good luck this organization is unprofessional and unorganized.

  Business Response

  Date: 04/03/2025

  Hello *******,

  Thank you for reaching out to us, and we truly appreciate the chance to address your concerns.

  Plaid is a trusted third-party service that many financial institutions use to connect customers' bank account information to various products and services. Unfortunately, we do not have control over which banks choose to partner with *****. After reviewing your account, we found that your bank has decided to no longer work with Plaid, which has prevented the autopay feature from working.

  To resolve this, our only options were:
  Link a different bank account.
  Make payments using a debit card.
  Cancel your services.

  Please see our response on ticket number ****** for further information and resolution.

  If you have any further questions or concerns, please feel free to contact us at ******************************.
  

  
  

• Initial Complaint

  Date:03/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am disputing an invalid account report by ***************** on my credit report. This account is inaccurate, unverified, and violates the Fair credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. if the furnisher cannot proved proper validation, it must be deleted per federal law.

  Business Response

  Date: 03/27/2025

  Hello ******,

  Thank you for bringing this matter to our attention. We appreciate the opportunity to address your concerns.
  Upon a thorough review of your account, we confirm that you established an account with *** and accepted our terms and conditions on March 9, 2023. As outlined in these terms, both positive and negative payment histories are reported to credit reporting agencies, and your acceptance of these terms is duly noted. You can view our terms and conditions in the legal footer of our website. Additionally, regarding the Save and Build account, the terms and conditions were accepted on March 18, 2023. You can review these terms here: **************************************************************;
  Further investigation into your account, specifically regarding the **** claim, reveals multiple instances of delayed payments. The payments for the Save and Build account, due on 5/19/2023, 6/19/2023, 7/19/2023, 8/21/2023, 9/19/2023, and 10/19/2023, were not received. Although auto-payments were attempted on these dates, the payments were unable to be processed, with the error code "Plaid Relink" indicating that the linked bank account had been disconnected from the *** account.
  To assist with these issues, email and push notifications were sent to the registered email address and phone number beginning on May 19, 2023, which match your complaint details. These notifications included a manual payment option to ensure timely payment within the 29-day grace ******* However, because the payments were not received within this period, they were reported as late in accordance with federal payment reporting guidelines. As a result, we are unable to reverse the late payment status. Our customer support records indicate that we did not receive any communication from you regarding these missed payments.
  We have acted in full compliance with applicable laws, including the Fair Credit Reporting Act (****), and have followed our established terms and conditions. The information we have furnished to the credit bureaus has been verified as accurate.
  If ****** has new information that warrants disputing the accuracy of the information we have reported, we kindly ask that you submit a letter outlining the disputed information along with the necessary supporting documentation, as required under 15 U.S.C. 1681s-2(a)(8)(D). The following information is needed for us to proceed with an investigation into the dispute:
  Sufficient details to identify the account in question (e.g., account number, name, address, and telephone number).
  A clear explanation of the specific information being disputed and the basis for the dispute.
  All supporting documentation to substantiate the dispute, such as account statements contradicting the information we have reported, a police report, a fraud or identity theft affidavit, a court order, or relevant portions of the credit report along with supporting documents that challenge the information we furnished.
  
  We appreciate your understanding in this matter. If you have any further questions or concerns, please feel free to contact us at ******************************.
  
  

• Initial Complaint

  Date:03/20/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been trying to connect with the Ava Finance team for months regarding my accounts with their services. My loan builder account was disabled back in December. I habe tried repeatedly to have them cancel my account. They refuse and the payments are reporting 30 days lates on my account - 3 times now for December 2024, January 2025, February 2025. The app wont alllow my bank to be connected to the account since December it was connected along with a debit card which could take payment for the ongoing account. When I send an email to the company I get a bot response with a response 24 hours later. The response is always the same with zero resolution to fixing the issues. My credit is being ruined by the company. Ive asked to talk to a manager to no avail. Ive repeatedly send urgent messages to no avail. Today I got an alert on my credit that the account was reopened without my consent. Again, I dont know which portion was reopened but my account is still completely disabled to be able to make any changes to it while its still reporting the late payments. The company will not address the late payments due to their disabling of my account. They are not being truthful when they know theyve disabled my account but still are reporting 30 day late payments. Ive called the phone number on the credit bureau and it doesnt work. They can not be reached without an email. They did supply me a phone number but never answer the calls. Im at a loss. I need the late payments removed and my account closed. This is false & fraudulent business practices. Ava Finance is NOT a legitimate credit builder account. They do not care about helping you build your credit. The was a loan builder account where I was making payments for my own loan. It was not borrowing money from them so reporting 30 day lates is not okay. Do not do business with the company. They are impossible to reach if their is an issue and they dont have anyone to help you if there is an issue.

  Business Response

  Date: 03/24/2025

  Hello *****,

  Thank you for bringing this matter to our attention. We truly appreciate the opportunity to address your concerns. Due to the nature of the BBB forum being public, I have responded to your full inquiry on Ticket #******.

  If you have any further questions or concerns, please dont hesitate to reach out to us at ******************************.
  
  

  Customer Answer

  Date: 03/25/2025

   
  Complaint: 23092313
  
  I am rejecting this response because: I was only given 24 hours to respond to the company when they emailed me a response asking for more information. I work and am very busy. Just as I was going to respond they closed my case and did not allow me to give them a response. Mind you, I have waited days for them to respond in the past. Ive still never received a phone call to talk to a live person about this serious issue. They claim my account is closed but my credit monitoring company sent me an alert saying it was reopened. This company is a scam. They do not care about helping you build credit. They do not care about the facts of the case. They do not communicate with their clients. They do not have a working phone number or live person to talk to or call. I want my late payments reversed. I have police records regarding this issue and will again report them for being fraudulent and inconsiderate of their clients credit or time. Do NOT put your money with this company. They will ruin your credit. 
  
  
  Sincerely,
  
  ***** ****

• Initial Complaint

  Date:03/19/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with AVA FINANCE, I do not have a contract with AVA FINANCE, they did not provide me with the original contract as requested.

  Business Response

  Date: 03/20/2025

  Dear ******,
  Thank you for bringing this matter to our attention. We appreciate the opportunity to address your concerns. 

  We know this can be confusing, Ava Finance is not a debt collector as is defined in the ****** We furnish credit history, positive and negative, to the credit reporting agencies based on the product you may have opted to receive from us. As such, claims relating to the ***** do not apply.

  We were unable to locate any contact attempts with the details provided in your complaint. Due to the public nature of these responses and to protect our customers privacy we have reached out to you directly to discuss any possible account specific details on Ticket # ******.

  We appreciate your understanding in this matter. If you have any further questions or concerns, please feel free to contact us at ******************************.
  

  Customer Answer

  Date: 03/20/2025

   
  Complaint: 23089519
  
  I am rejecting this response because:
  If you are not able to provide me with full documentation proving i personally opened an acc AVA FINANCE u are obligated to remove this fro my credit hstory.
  Sincerely,
  
  ****** Anumada

  Business Response

  Date: 03/24/2025

  Hello ******,

  We understand your concern and request for you to contact us back via the email ticket #****** previously sent. 

  Thank you.