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:10/10/2024

  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 am writing to humbly request that you would be willing to make a "goodwill" adjustment to your reporting to the three credit agencies. I have several late payments on Ava Finance from 01/2023 to 12/2023. I have since paid the remaining balance on the account I would like you to please consider removing the negative payments from my credit report. At the time of the late payments, I was gravely ill. I did not have access to my accounts and was unable to update banking information. I say that not to justify why the payment was late, but rather to say that the late payments are not a good indicator of my actual historical credit worthiness. I hope that Ava Finance is willing to work with me on erasing these marks from my credit reports.I am currently in the process of buying my first home, and these late payments are the only detrimental items currently reflected on my credit report. I will be forever grateful if you make this good will correction. Learning to manage credit properly has been a core part of adulthood for me. I paid the account as soon as I gained access to my account again. I am still recovering financially from my sickness. I may be reached via email at *********************

  Business Response

  Date: 10/15/2024

  
  I'm writing to address your recent inquiry regarding the possibility of reversing a late payment reported on your credit report.
  
  After careful review and consideration, we regret to inform you that we are unable to reverse late payments that have been accurately reported to the credit bureaus. This decision is based on reporting requirements and legal constraints aimed at maintaining the integrity of the credit reporting system.
  
  We understand the importance of accurate reporting and the impact it may have on your credit history. While we strive to assist our customers in every way possible, certain aspects of credit reporting are governed by industry standards and regulations that we must adhere to.
  
  Please rest assured that your account status has been updated to reflect any payments made.
  
  If you have any further questions or concerns, please feel free to reach out to us. We're here to assist you in any way we can.
  
  Thank you for your understanding and cooperation in this matter.
  
  

• Initial Complaint

  Date:10/09/2024

  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.

  It's been over a month since I've paid your company and nothing has posted to my credit or showing to my credit report yet, also I've sent emails that have yet to be responded to not to mention made numerous phone calls none of the numbers are operable. payment was taken and nothing to show.

  Business Response

  Date: 10/15/2024

  Thank you for choosing Ava Finance and reaching out to us. It looks like your subscription with *** was not started yet. To proceed, please reopen the app and try again.
  
  Rest assured, you have not been charged yet; only a $1 test transaction was processed. Please sign in using your email.
  
  Once you are fully registered and have selected and activated a product, we will begin reporting your account to the credit bureaus.
  
  I hope this helps, and feel free to reach out if you have any questions.

• Initial Complaint

  Date:10/03/2024

  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 am not liable for this debt of late payments with Ava Finance . They are violating my rights to have late payments on my credit report. (a)Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637(b) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.(b)Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than *********************************************************************************** order to avoid imposition of that finance charge.

  Business Response

  Date: 10/21/2024

  Thank you for bringing this matter to our attention. We appreciate the opportunity to address your concerns.
  
  We would like to inform you that, following a review of your account, an adjustment has been made, and the late payment previously reported to the credit bureaus has been reversed. This update will be reflected in your credit report in accordance with standard reporting timelines.
  
  If you have any further questions or require additional information, please do not hesitate to contact us.

• Initial Complaint

  Date:10/03/2024

  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.

  Ava finance stole $9.99 out of my account for a subscription service I did not authorize or sign up for and when I disputed the transaction and called them they said they cannot issue a refund even if the charges are fraudulent.. they are hacking stealing and selling customers data to the highest bidder

  Business Response

  Date: 10/15/2024

  Thank you for reaching out to us. We do want to apologize for any inconvenience you had encountered. The membership fee was charged for account set up, registration and reporting of your new credit line. I understand you recently closed your membership, however, the membership fee for setting up your account is non-refundable. This may not be the response you had wanted, however, keeping in line with our policy, we are unable to refund the membership fee, particularly since the *** card was used outside of our policy. I hope that clarifies your concern and we are committed to providing the most transparent services.

• Initial Complaint

  Date:09/23/2024

  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.

  My credit report from Ava finance **** is incorrect and needs to be corrected. They need to update my credit report and corrected to paid and close it stating that I have 120 day late payment which is false. I have the information which is the following pictures. I will be uploading, please correct my credit report to paid in close

  Business Response

  Date: 09/23/2024

  We apologize for the experience you had. We take your views very seriously and would like to communicate with you regarding your account very soon. Our customer service department will contact you very soon. We are committed to providing the best service and will be in touch shortly. 
  
  

• Initial Complaint

  Date:08/28/2024

  Type:Sales and Advertising 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 open the savings account with *** and March 2024 and I also open the line of credit with them in 2024. I have had multiple problems with my bank account getting unlinked and not being able to re-link it to my account being under review for months And not being able to use my account and now my credit score for *********** has dropped 24 points because *** reported my credit line of 2500 as zero available credit and zero balance that impacted my trans unions score 24 points. I need that corrected immediately.

  Business Response

  Date: 09/04/2024

  We sincerely apologize for the difficulties youve encountered with our service. We value your feedback and are committed to improving your experience. Our customer service team will be in touch very soon to discuss your account and work towards a resolution. Thank you for your patience and understanding.
  
  

• Initial Complaint

  Date:08/27/2024

  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 ****and do not have a contract with Ava Finance **** They did not provide me with the original application like i asked.

  Business Response

  Date: 08/27/2024

  We apologize for the difficulties you've experienced and sincerely value your feedback. Our customer service team is preparing to reach out to discuss your account and ensure your concerns are addressed promptly. Thank you for your patience; we are committed to providing you with the best possible service.
  

• Initial Complaint

  Date:08/23/2024

  Type:Sales and Advertising 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 had an issue with a bank account of mine and had to close said account. Tried to update my account with *** and the app says its updated, but the app will not let me make a payment with either that account or even a debit card, causing me to fall delinquent over 5.99. I do not need a late payment on my credit report, especially over an amount so trivial and that *** is refusing to let me make that payment, even after contacting them multiple times. I just want to pay off what is owed and move forward. How hard is that and is that too much to ask for?

  Business Response

  Date: 08/26/2024

   We apologize for the experience you had. We take your views very seriously and would like to communicate with you regarding your account very soon. Our customer service department will contact you very soon. We are committed to providing the best service and will be in touch shortly. 
  
  

• Initial Complaint

  Date:08/21/2024

  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 am writing to file a formal complaint against AVA Finance ***** as I believe they have violated my rights as a consumer. In May-June 2024, AVA Finance **** reported a transaction on my account as late to Experian, Transunion, and Equifax. I disputed this transaction, requesting that AVA Finance **** provide the necessary documentation required by law to support this late payment report. Instead of addressing my specific request, AVA Finance **** responded by stating that the transaction was accurate. My dispute, however, was not about the accuracy of the transaction, but about obtaining the legal documentation that justifies their decision to report the payment as late. As per 15 U.S. Code 1666b - Timing of payments, a creditor cannot consider a payment on a credit card account as late unless they have reasonable procedures to ensure that each periodic statement, which includes the information required by section 1637(b), is sent to the consumer at least 21 days before the payment due date. I specifically requested this information from AVA Finance **** to determine if they adhered to these legal requirements. Despite my request, AVA Finance **** failed to provide the necessary documentation and did not follow the required procedures to verify the late payment. It has been over 30 days, and they have not properly verified the information as required by law. To report information as verified, AVA Finance **** must have sufficient evidence to confirm the accuracy of the information and ensure that it meets the conditions outlined in 15 USC 1666b. AVA Finance ****'s failure to provide the necessary information and their disregard for the legal requirements for reporting a payment as late constitutes a clear violation of my consumer rights. I am requesting that the BBB investigate this matter and help hold AVA Finance **** accountable for their actions. Account #********************* Account #:*********************?

  Business Response

  Date: 08/23/2024

   We apologize for the experience you had. We take your views very seriously and would like to communicate with you regarding your account very soon. Our customer service department will contact you very soon. We are committed to providing the best service and will be in touch shortly. 
  

• Initial Complaint

  Date:08/11/2024

  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 am writing to formally dispute the late payments reported by your organization on my credit report. I believe these late payments are inaccurate and unjust, and I kindly request their immediate removal in accordance with applicable laws and regulations.The late payments in question are associated with the following accounts: Account Number: *************************Date(s) of Late Payment(s): May-June 2024 Account Number: *************************Date(s) of Late Payment(s): May-June 2024 These reported late payments have significantly impacted my creditworthiness and caused undue financial hardship and emotional distress. I am committed to ensuring fair and accurate credit reporting, and I respectfully request that you rectify this matter by removing the late payments from my credit report.In accordance with the Fair Credit Reporting Act (FCRA), your organization has violated my rights under 15 USC 1681, section 602, which guarantees my right to privacy. Specifically, 15 USC 1681 (section 604(a)(2)) states that a consumer reporting agency cannot furnish an account without my written instructions. Additionally, under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.This dispute is further supported by the case law ********** v. ********** of Massachusetts, 190 F. Supp. 2d 81 (D. Mass. 2001), which underscores the importance of accurate and fair credit reporting.I trust that you will take the necessary steps to correct this issue promptly. Please provide me with a written confirmation of the actions taken to resolve this dispute.

  Business Response

  Date: 08/12/2024

   We apologize for the experience you had. We take your views very seriously and would like to communicate with you regarding your account very soon. Our customer service department will contact you very soon. We are committed to providing the best service and will be in touch shortly.