Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Ava Finance, Inc
State: OR

Complaint narrative:
I had signed up for ava XXXX XXXX account which is supposed to help raise your credit score and supposed to report to all XXXX credit bureau 's a line of credit with which i had a line of credit from them for {$900.00} with a {$17.00} balance for XXXX subscriptions that added up to the amount of the balance however the only thing that reported to the credit bureau was the balance and not the line of credit which i had brought this to their attention several times and never was it corrected MY BANK WAS COMPROMISED AND SO I WAS ISSUED A NEW ACCOUNT AND I TRIED TO connect my bank account with ava XXXX XXXX but because it was the same bank Ava would continue to connect the closed account which it took XXXX weeks to finally update which was on XX/XX/2025 i was not able to renew my subscription with Ava XXXX XXXX because i wasn't able to pay for the subscriptions i had the month prior because my bank wouldn't connect so i paid for the subscription to XXXX XXXX with my XXXX XXXX account and XXXX XXXX was given to me from XXXX as a promotion for buying an XXXX product on XXXX XXXX i had XXXX months free and after the XXXX  month T Mobile added free XXXX XXXX, XXXX XXXX and XXXX XXXX with my plan so i didn't have to pay for XXXX XXXX any longer so i finally paid my past due balance with Ava XXXX XXXX on XX/XX/XXXX and when it was paid i already had subscribed to XXXX XXXX and XXXX XXXX so i did not renew what was already active i had asked for Ava to close my account with them because they was hurting my credit not helping because there balance that was reporting without my line of credit was only providing a higher credit utilization and i had been with Ava long enough to have corrected this issue but they had failed i told them to close my account but they did not even respond for over a week when they would reply to any other correspondence the same day but when i received a past due balance in XX/XX/XXXX i told them i do not owe them because i did not use their services after paying my balance off and to cease from attempting to take money out of my bank and i also asked them to send validation of this alleged past due balance which i was disputing but ava ignored my request and continued to send past due balanced notice as you can see in the attachments and i would ask them again for validation and they did not until XXXX after they reported to the credit Bureau 's late payment which is a violation because I was disputing the debt which they was to stop all attempts to collect and send validation within XXXX  days if they had of i would have sent them the proof that the very XXXX supposedly paid subscriptions was paid outside of their product after receiving the the information and notice to the credit bureaus of late payment and my score dropping back down to where i had started from i was highly upset it took me XXXX  month to increase my XXXX XXXX from XXXX to XXXX and i told Ava i got to this score from other credit builders account which was kickoff and credit strong which both was reporting accurate information and standing behind their advertisement which Ava XXXX XXXX failed to do which is the reason why they reported this disputed debt to the credit bureaus Retaliation after asking them to cease all attempts to collect a debt i did not owe they XXXX the attempts which had led to a XXXX XXXX because I was dealing with the loss of my dog on the XXXX of XXXX and also with health issues that we both was suffering from negligence of my landlord so i was already going through some critical issues and they continued to harass me about a debt i do not owe they have committed multiple violations and the attachment i sent to you is only the beginning i have over XXXX more emails from them after i asked them to cease all attempts and they responded to each one of them so they can not say they did not receive. I had tried blocking them but they have found away around the block and is still currently sending me this past due balance threatening my credit and all of that and i did not do anything to deserve this type of retaliation.

Company response to consumer: Closed with explanation