Consumer complaint received 2023-02-14
Company: Avant Holding Company, Inc.
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2023, I started an application to obtain a personal loan through Avant. My credit score at that time which they posted was XXXX. Being 83 years of age, my daughter XXXX XXXX was trying to assist me. 
We immediately ran into issues regarding the process. 

From the XXXX to the XXXX of XXXX, each and every day at least 2 times daily we spent on the computer trying to get their programs to take the information to no avail. 
First problem was downloading and attaching my drivers license. When it was downloaded, they then wanted a picture of myself on their program. It would not work, and then XXXX said to go to a phone open the application and scan on phone which no information was given on how exactly to scan on the phone. I only have a flip phone, so my daughter tried hers. As soon as it was brought up, it said to go back to the computer and try again on the computer. 

On XX/XX/XXXX, I received an email that said " Dont forget XXXX youre approved for a personal loan through Avant! '' No asterik, no nothing. 
It then said " complete the last step of your loan request '' We again logged in which brought us once again to the application which the last step, were steps in which were the same issues we could not complete, attaching the drivers license, taking my picture, and trying to get my checking account to verify through this XXXX company. 
My daughter after I gave permission spoke to them over 5 times to try and address the issues They said to switch to XXXX from XXXX, and it still wouldn't work. They then said we needed to verify my online personal checking account and savings account I have through my bank, and that would not work either. 

On XX/XX/XXXX I once again gave my daughter permission to speak to these people as I am hard of hearing. She once again tried to ask them for help, and after emailing my ID to them on their support line, ( they didn't ask ), but she did it anyway, since a simple thing like getting my ID seemed so complicated, they did email back saying that they had received it. 
My daughter asked them since she couldn't get these programs to work if there were other ways to do this, and they gave no response or answer. 
When they said they were going to process the application, she asked specifically if it was going to be denied because of these issues that they couldn't seem to resolve, they would not answer her. 
Within 10 minutes after all that time, he received a denial that said this. 
Your XXXX XXXX : XXXX Date : XX/XX/2023 Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : Serious delinquency, Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high, ( Lack of recent installment loan information ), Too few accounts currently paid as agreed, The number of inquiries on the consumer 's credit file has adversely affected the credit score. 
All my accounts by the way are 'CURRENTLY BEING PAID AS AGREED! 
I believe I am being discriminated simply because of my age, and the lack of assistance this company refuses to offer to an age group such as myself. BTW, I have had XXXXne credit card for at least 10 years, I have paid off 3 cars as agreed on time, owned two homes and paid as agreed, and there was only one card in which payments got messed up and it did affect my credit, but I have gotten that resolved. Other than that, all my cards are always paid on time, and have been.

If my credit score is so badly affected at a XXXX, can you explain to me, why I could purchase a home with that score, but not get a loan? 
And yes, my credit card balances were somewhat high. That was XXXXe point of consolidation. To group things together and put it into one loan that we would have paid more on monthly to save interest. 
Now since they mention that this hard pull on my credit is impacting my credit score even more now, and AFTER THEY SAID I WAS APPROVED IN THEIR EMAIL, THIS COMPANY IS HIGHLY SUSPECT AND THEY NOW HAVE MY PERSONAL INFORMATION, AND IT CONCERNS ME! 
XXXX people should not have to fight for simplicity in obtaining a loan, if offered, because another company can not find ways to assist them. It is discrimination as far as I am concerned, since my daughter is XXXX and I am XXXX. 
Go on XXXX, go on XXXX, go on XXXX. Seriously???? We don't have an XXXX device, so are they going to give us access to one to simply complete an application? 
This is crazy!!!! 
My daughter also asked more than once to talk to a manager or supervisor, when this began to be an ongoing issue. Since the company says they are out of XXXX, there is no direct phone number to reach anyone inside the XXXX. It is very apparent by the accents of placing and recieving calls, from this company, that they are an offshore entity, and since there seems to be no supervisor nor manager that would speak to us, and with the many voices in the background, this is some kind of call center, and probably not a credible entity for loans. 
It is interesting that my daughter has gotten online loans with online companies and never had anything like this EVER HAPPEN TO HER! 
Especially when it said I was approved!

Company response to consumer: Closed with explanation