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:01/01/2025

  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 writing to file a formal complaint regarding the ****************** Credit Card. This product was marketed as a tool to help individuals build their credit by paying a $9.99 monthly fee in exchange for a credit line and limited usage options, such as purchases for subscriptions. While I had no issue adhering to these guidelines, *** has failed to fulfill their advertised promises, which has negatively impacted my credit and violated my consumer rights.Key Issues:1.Failure to Report Credit Limit to **********:Since opening my ****************** account in June 2024, *** has consistently failed to report my $500 credit limit to **********. This omission substantially ***** my credit score as it does not accurately reflect my available credit.2.Late and Inaccurate Payment Reporting to Equifax:*** has not reported my payments in a timely or accurate manner to Equifax. Payments are not coded correctly, and for a period of time, the account disappeared entirely from Equifaxs records. Although it has recently reappeared, payments are not reflected as Pays as Agreed, further damaging my credit profile.3.Refusal to Close Account and Delete Tradelines:Since November 2024, I have repeatedly requested that *** close my account, delete the trade lines from all three credit bureaus (**********, Equifax, and Experian), and refund the monthly membership fees charged, as they failed to deliver the advertised services. Despite these requests, *** has refused to take corrective action.Concerns Regarding Business Practices:AVA appears to prey on consumers in challenging credit situations by charging a monthly fee for services they do not adequately deliver. This practice is deceptive and places undue financial and credit-related stress on consumers like myself who are striving to improve their creditworthiness. I believe AVAs actions represent a violation of fair consumer practices and have caused unnecessary harm to my financial standing.

  Business Response

  Date: 01/06/2025

  Thank you for bringing this to our attention. I understand the frustration this has caused and we apologize for the inconvenience.

  Weve been informed by ********** that they are no longer reporting the exact credit limit for certain types of tradelines. This change affects all tradelines of this kind, not just **** However, please rest assured that we continue to submit your credit limit to ********** each month, as part of our credit furnishing process.

  While the credit limit may not be reported, ********** will still reflect your on-time payments, credit history, and credit mix, which are essential factors in building your credit over time. Additionally, if you check your Equifax and ******** reports, youll notice no changes, as this update is specific to TransUnions new policy.

  Although we cant influence how the credit bureaus report, we remain fully committed to supporting your credit-building journey. As outlined in our Terms of Use, making on-time payments will help you continue strengthening your credit history.
  After investigating your account, there was an issue at *******, where your tradeline was erroneously removed from their credit reporting. This was an error at *******, not at ***. We have followed up with them and were informed on December 20, 2024 the issue has been resolved and your tradeline should be viewable now. 

  In addition, I reviewed our previous communications and was unable to find any mention of an inaccurate payment history being reported to Equifax. If you have any relevant screenshots or additional details, please feel free to share them so we can investigate and resolve this further.

  I also found a request to delete your tradelines, which we cannot fulfill as a credit furnisher. However, we did provide the necessary steps for you to close your *** account through the app. Instead, you inquired about a credit limit increase, which we are unable to accommodate.

  To clarify, we have consistently and accurately reported your tradeline to all three major credit bureaus. Unfortunately, we do not have control over how or when the bureaus update this information in their systems, nor how third parties might present it.
  Given this, we regret to inform you that we cannot offer a refund for services rendered, as the reporting has been completed in line with our agreement.

  If you have any further questions or concerns, please dont hesitate to reach out. We truly appreciate your understanding and continued support.
  

  
  

  Customer Answer

  Date: 01/06/2025

   
  Complaint: 22754546
  
  I am rejecting this response because: As you can see, there is an email specific to equifax from *** responding to me addressing the issue of *** credit line completely disappeared and they only responded once that was apparently resolved. It's bizarre that you claim that a record of this inquiry and interaction doesn't exist. This response in itself shows that *** and whoever you are within this organization does not have any attention to detail. 

  In addition, you can see my credit reporting from Equifax and it should be showing pays as agreed each month, rather you guys are changing the terminology for some reason. That credit report screenshot is directly from ***********.

  Furthermore, Transunion not reporting the credit line, but reporting the other information does not excuse the fact that you guys advertise full credit reporting with all 3 credit bureaus and charge a fee to operate in this manner. Your entire business hinges on the advertising of your services and the charging of a fee for these services. This is how you make money, so if you are charging people and not telling then that transunion won't show a credit limit than that is false advertising and unethical business practices. Simply saying stating that reporting the payment information is good enough, is absolutely not good enough. It's deceitful. 

  My request is very simple. Delete all of my information from all 3 credit bureaus. If you don't comply with this very simple request by a consumer, you leave me no choice but to take further action in the manner of retaining legal counsel. You also have to answer to this directly to the **** and will be held accountable. Consumer rights are important, and under no circumstance is it ok to be even 1% non transparent about the services provided in exchange for the fee paid. 

  Do the right thing by people. It's as simple as that. 

  
  Sincerely,
  
  ****** ***********

• Initial Complaint

  Date:12/27/2024

  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.

  Dear *********** am urgently disputing two fraudulent accounts listed on my credit report, as I am a confirmed victim of identity theft. Upon reviewing my credit report, I identified the following accounts that I did not authorize, open, or consent to:Creditor Name: AVA FINANCE *** Opened Date: December 20, 2022 Account Number: ************************* Creditor Name: AVA FINANCE Opened Date: December 20, 2022 Account Number: ****************** I want to emphasize that I had no involvement in opening these accounts, and it is evident that they were fraudulently created without my knowledge or consent. These accounts are illegitimate and are causing significant harm to my credit score and financial reputation.I demand an immediate and thorough investigation into these matters and request that both fraudulent accounts be permanently removed from my credit report.

  Business Response

  Date: 12/27/2024

  Thank you for reaching out.
  I want to clarify that we previously spoke on August 5, 2024, regarding your *** accounts. During our conversation, you confirmed that you had opened both the Save and Build account and the *** card account yourself. Additionally, we sent you an email confirmation on August 5 and requested that you let us know if you noticed any discrepancies on your credit report.
  Our support team will reach out to you soon regarding your query. If you have any further questions or concerns in the meantime, please feel free to let us know.
  Best regards,

• Initial Complaint

  Date:12/20/2024

  Type:Product 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.

  As mentioned by numerous complaints filed here and on various review sites, ***'s advertising, marketing and brand identity is very deceptive. I am relieved to know I am not the only person that believed their card can be used with any company. They are not transparent about who the card can be used with and as established in other complaints and reviews, once "approved" for the card, the moment an attempt to use the card other than with their approved subscription services, they block the card and demand verification documents which they will reject for being too blurry and continue to demand documents like ID and a selfie holding the same ID. Once I noticed this, I immediately asked for cancellation because I do not have the time, energy or interest in devoting attention to their demands when there are numerous better options available to increase my credit score. I paid for the full year upfront and when I requested cancellation and refund, part of their response was "we don't currently offer free trials" which I felt was an incredibly condescending and passive aggressive response to someone who clearly has already paid and now is forced to cancel due to their deceptive marketing and poor customer service. *** needs to be as clear, upfront and transparent as possible about what their card and business model really is instead of misleading customers. *** does not offer a full service card that can be used anywhere however their marketing implies as such. It is a classic bait and switch approach and engaging with them is frustrating and challenging for no good reason. I am not interested in another sarcastic and passive aggressive explanation like the responses I have received in email. I simply want a full refund of the annual membership fee I have already paid.

  Business Response

  Date: 12/20/2024

  
  Thank you for reaching out. We communicated on December 18, when we requested that you send us clear documentation to proceed with your account verification. Please send the necessary information to our secure email, as previously advised. This information is required to verify your identity and ensure the security of your account.
   
  Additionally, we clarified that your *** membership is on a monthly plan of $9. I understand your concern regarding the refund. Unfortunately, we do not offer free trials at this time. As per our refund and cancellation policy, which you accepted upon signing up, we are unable to provide a refund since your account is already registered. I can also confirm, details on how the Ava **** is used were clarified by our support team. 
   
  To continue using **** we recommend completing the verification process as soon as possible. I hope this helps clarify the situation.
   

  Customer Answer

  Date: 12/20/2024

   
  Complaint: 22712882
  
  I am rejecting this response because: As I stated, *** falsely advertised their business and the response is filled with untrue statement. There was no clarity regarding how to use the card until AFTER I attempted to use it under the pretense that it is a full service card which is what ***** marketing implies.  I am not the only customer who has voiced this exact concern so based on the numerous complaints regarding this issue, I am fully convinced my concerns are valid.  I will proceed with legal action outside of the BBB to address ***** false advertising.  No further response is welcome or necessary.

  
  Sincerely,
  
  **** *******

  Business Response

  Date: 12/26/2024

  I'm sorry to inform you that we do not currently offer free trials. As per our refund and cancellation policy, which you agreed to upon signing up, we do not provide refunds. The reason behind this policy is that it costs us money to set up your account, which is why we charge one month's fee when you close the account. I can also confirm you have had a monthly membership plan which is now closed. 

   

  If you have any further questions or concerns do let us know. 

• Initial Complaint

  Date:12/12/2024

  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.

  Im not liable for this debt with ****************** I dont have a contract with the collection agency I have not been provided the original contract as requested

  Business Response

  Date: 12/18/2024

  Thank you for your recent communication.
  To assist you further, we kindly request a screenshot of your credit report showing your *** account and any debt you are referring to. This will help us address your concerns more accurately.
  As a reminder, your *************** was a revolving line of credit with a limit of $500. Your *** account was closed on 2024-09-05 and should be reported as Paid and Closed.
  If you have any additional questions or require further clarification, please dont hesitate to reach out. Were here to help!
  

• Initial Complaint

  Date:12/09/2024

  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 demand you remove these fraudulent accounts listed from my consumer report. The above accounts are a result of identity theft and are not mine. According to 15 USC 1681 e (b) It is your duty to assure Maximum Possible Accuracy of the information concerning the individual about whom the report relates. Accuracy is defined as a measure of value, the above account is inaccurate because it is not a measure of value, therefore this inaccurate account needs to be deleted from my consumer report. AVA FINANCE: 1XUBDLXXXXXXXXXXXXXXXXXXX Date Opened: 04/20/2023

  Business Response

  Date: 12/19/2024

  We appreciate the opportunity to address your concerns.
  
  Upon review of our records, we were unable to locate any physical mail correspondence from you. However, we did find two conversations with our support team: one on October 9, 2023, and another on December 1, 2024.
  
  A thorough review of your account indicates that we have no information at this time suggesting that this account was opened due to identity theft. Additionally, the email and phone number provided in your claim match the details on your *** account, and all email and push notification correspondence has been sent to those contact methods.
  
  A review of your account indicates you signed an agreement with us on 2023-04-20 23:42:47 UTC. You then linked your *** **** to a ******* subscription, which was charged monthly in the amount of $7.55 until May 16, 2024. Following this, a payment was due on June 5, 2024, and payment was successfully received on September 3, 2024, via debit card. The terms and conditions for the *** **** can be accessed at ****************************************************************** instance exceeded the 29 day ***** period and per Fair Credit Reporting Act (15 U.S. Code 1681) we were required to report to the bureaus as delinquent. Your account was subsequently closed on September 3, 2024 in a Paid or Closed Zero Balance status. Auto-payments were attempted on 6/5/2024, 6/20/2024, 7/22/2024, 8/20/2024, and intermittently in between, however the payment was not able to be completed, with the reason code returned to us as "Plaid Relink". This indicates the previously linked bank account had disconnected. Our records show that a payment attempt was made on July 8, 2024, via debit card. However, the transaction was unsuccessful due to a **** Error.
  
  The email communications and push notifications began on 6/8/2024, at least 4 emails were sent, 1 informing you payment is due and 3 informing you the payment is past due prior to the 30 days past due point. The past due emails included a manual payment option to facilitate timely payment, as the auto payments were failing. Unfortunately, since the payment was ultimately received September 3, 2024, per Fair Credit Reporting Act (15 U.S. Code 1681) we were obligated to report it in accordance, and we cannot remove these remarks from your credit report. Furthermore, our system shows you accessed the *** app multiple times in July and September.
  
  As a result, we are unable to reverse any negative reporting associated with your account. Additionally, based on the information provided above, we believe that we have clearly outlined the acceptance of our terms and conditions, as well as the fact that you have engaged in transactions with us.
  
  We have investigated your account and do not see signs of identity theft. That said, we take matters of identity theft very seriously. If you believe firmly that your identity has been stolen, please send us the following items at ****************************** so we can validate your identity:
  
  a.) Verify Identity with ID/Passport and selfie with ID
  b.) A police report
  
  If you have a valid claim of identity theft that has been reported to the credit reporting agencies and/or proper legal authorities, please contact us at ****************************** with the additional information and we will be happy to take appropriate actions.

• Initial Complaint

  Date:11/20/2024

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

  Business Response

  Date: 12/02/2024

  Thank you for reaching out. Your concern is important to us, and I appreciate the opportunity to assist you.

  
  I can confirm that we corresponded earlier regarding your message on October 28, where you mentioned that your account reflected a due amount (which you were aware of). We were happy to clarify the payment details and due dates at that time.

  
  After reviewing your account, I see that your Save and Build account was closed on June 17, 2024, while your *** **** and membership remain active. Your recent *** **** balance payment is currently in progress.
  

  Please note:
  *** is unable to open new accounts for any customer. The activation of both the Save and Build account and *** **** is initiated by the customer.

  
  Timely payments are essential for accurate and timely reporting to credit bureaus. If a payment is missed or made late, we are required to report it as agreed upon during account setup.

  We are unable to remove an accurately reported credit account from your credit report.

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

• Initial Complaint

  Date:11/15/2024

  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 signed up for *** on 11/01/2024 I uploaded $249 to my *** **** to pay my bills. *** credit **** can only be used for subscriptions you cant pay your bills with it. They do not advertise that the **** can only be used with their merchants they promote as if its a credit line that you can use freely. On November 2nd 2024 I wrote support and ask them to close the account and return my excess funds they refuse to close the account and return my money instead forcing and pressuring me to use a car that i dont need. I have bills to pay this is causing serious harm to me and my family. *** refuses to close my account and return my funds. Everytime i contact them they tell me to use the ****. Im asking them to close the account before it becomes 30 days and im locked into a contract. I am not satisfied with their services and want my money back $249 to be exact this money is for my water and light bill that will be shutoff on 11/17/2024 due to *** stealing my money and refusing to close the account. I have infants that live with me who need baby formula and i cant buy it because the *** **** does not swipe for what you need instead they want me to pay for a amazon subscription that does not help with my lights or infants who cant wash up due to this. I just want the account closed and my money return before i experience any more harm being done to me over this.

  Business Response

  Date: 11/27/2024

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

  
  Your account with **********************, **** was opened on 11/1/2024. There were transaction attempts at merchants *** does not allow, which is outlined in our product description and terms. Funds were then forced to your *** account from a crypto wallet. There were multiple attempts to use the credit line of $280 at unauthorized merchants including CashApp and MoonPay. We advised you the funds would remain on the account because we could not return the funds to the crypto wallet. The funds could be used at authorized merchants within the parameters of the product. You choose to close your account on 11/15/2024 rather than use the product as designed.

  
  This account remains under review at this time. We appreciate your patience. We are unable to return the funds while the review is open. We will notify you as soon as the review is completed.

  
  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: 11/27/2024

   
  Complaint: 22560402
  
  I am rejecting this response because: These funds do not belong to ava finance they were deposited by me. I never heard of any finance company not being able to return your deposit especially after closing the account before ************************************************************************************************ the in the loan agreement number ************************************************* There isnt anything else in the agreement about not refunding funds who belong to the customer. *** is forcing me to use their services. I asked for a check to be sent out or to cash the funds out to my card on file. I never asked you to send back to moon pay. I asked for my account to be closed and my funds to be refund like any honorable finance company would do to stay in honor. This has cause discrimination and my intent is to sue if I do not receive my funds immediately. 

  
  Sincerely,
  
  ******** *******

  Business Response

  Date: 12/04/2024

  Thank you for your patience while we reviewed your account query. We tried to call you but were unable to speak with you, however, we are happy to provide an update here. We have noticed that funds were added to your *** card through an unauthorized merchant. Unfortunately, we are unable to issue a refund for these funds due to the nature of the transaction. However, the funds are available on your ***** and you can use them as intended for transactions.

  Please ensure that all future activity aligns with our approved merchant guidelines to avoid similar issues. You can view the list of approved merchants here: *********************************.

  To use your *** ***** please reply here to reactivate your *** *********** Once your membership is reactivated, you can then activate your *** card by pressing Home--> Build Credit with Less Credit. If you have any questions or require further clarification, feel free to reach outwe are here to assist you.

  Customer Answer

  Date: 12/04/2024

   
  Complaint: 22560402
  
  I am rejecting this response because: You can send a check to the address on file of my surplus funds you can do a ach transfer to my bank account. I no longer have your services I cancelled before 30 days because I was unsatisfied with your services. This is becoming discrimination towards me. You have stolen my funds and are forcing me to use your services by force and threat of not returning my money by check to my address on file. this has become criminal under title 18 section 242 Deprivation of rights under the color of law. 
  
  Sincerely,
  
  ******** *******

• Initial Complaint

  Date:11/14/2024

  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 have opened a account with *** financial to help build credit. company has opened then closed my account after making a purchase through their merchant with id *******. also they have asked me for all of my personal documents over 5 different emails to remove the blcok off the account. after this company has received all of my documents this company has made me feel like they are now stealing my identity. I was soley discriminated this company needs to be looked at closely or closed down for hurting consumers like myself.

  Business Response

  Date: 11/15/2024

  
  We hope this message finds you well. We apologize for any miscommunication. I can confirm your email is now updated on file. Please use this email to sign in and view your *** ***** Your *** credit card has been successfully unblocked now. You can now resume using it for approved online subscriptions (view the list here at ****************************************). Please note, the card will work for a T-Mobile subscription payment, not for a bill payment.
  
  Please ensure that you only use the card for approved online subscriptions and adhere to your specified spending limit. Your current spend limit stands at $25. This measure is in place to help you build your credit by keeping your credit utilization low. 
  
  Should you have any inquiries or require further assistance, please don't hesitate to reach out to us. We're here to support you every step of the way.
  
  Thank you for choosing Ava Finance, and we appreciate your cooperation.
   

• Initial Complaint

  Date:11/12/2024

  Type:Product 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 closed my account a month or two ago and was informed $150 would be issued on gift card to my email. I still have yet to receive $150 gift card to my email, I have checked all folders for my email account they state it was sent to. I reached out to inform them I havent received it yet and ******* K said it cannot be reissued, I refuse to lose $150 because of negligent behavior on Avas end. I have reached out to see if thread from electronic gift card can be sent but nothing back yet. I just want my 150 please!!

  Business Response

  Date: 11/25/2024

  Thank you for bringing this to our attention. Per our correspondence on 11/24/2024 the refund for $150 has been sent via e-Gift card at ja***********7@*********. Please check and confirm if you have received it. 
   
  Should you need any further assistance, don't hesitate to reach out to us at ********************

  Customer Answer

  Date: 11/25/2024

  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. I have received my 150 gift card. Thank you. Have a great day! 
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  Date:11/07/2024

  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 filed bankruptcy in January 2024 and this account was included in my filing. When I filed bankruptcy my credit report updated correctly. Today get notification from ******* that Ava Finance is reporting late payments since my filing. This is actually against the law. My case is discharged. This need to be ASAP if not I will connect the judge in my case. You are not allowed to report a payment late after bankruptcy filing!

  Business Response

  Date: 11/08/2024

  Thank you for your patience, and I completely understand your concern regarding your account.

  After reviewing your account, we were not previously informed of the bankruptcy status. However, in line with our commitment to assist our customers through financial difficulties, we have taken action to address your concerns. Specifically, we have reversed all late payment fees from January 2024 onwards to reflect your current circumstances. Additionally, to align with our Bankruptcy policy, we have closed your account to prevent any further charges or issues moving forward.

  
  Please feel free to reach out if there is anything more we can do to assist you during this time. We are here to support you and are happy to answer any questions or provide further clarification.
  

  Thank you again for your patience and understanding.

  Customer Answer

  Date: 11/08/2024

   
  Complaint: 22524777
  
  Will the company update to reflect account is included in Bankruptcy Chapter 7 and late payment be removed?
  
  Sincerely,
  
  ****** ********