Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Ava Finance, Inc
State: TX

Complaint narrative:
Subject : Complaint Regarding Unfulfilled Promises and Misleading Advertising by Ava Complaint IDs : XXXX ( XXXX ) I am writing to formally file a complaint against Ava for unfulfilled promises and misleading advertising. Despite making timely payments on my Ava Loan, the promised {$15.00} Boost to my Spending Limit has not been applied. My spending limit remains at {$50.00}, which was the same before I signed up for the Ava Loan. 

This issue has been repeatedly escalated over the past few months without any resolution. Additionally, there have been other unfulfilled promises made by Ava representatives when signing up for additional products such as the Ava Credit Builder. These issues include : 1. **Consistent failure to apply the promised boost to my spending limit** : - Despite numerous communications, my spending limit has not been increased as promised. ( [ XXXX ] ( XXXX ), [ XXXX ] ( XXXX ), [ XXXX ] ( XXXX ), [ XXXX ] ( XXXX ) ) 2. **Inaccurate troubleshooting and technical errors preventing me from paying off balances using my linked bank account** : - I have faced multiple errors when attempting to pay off balances, which led to missed payments and negative impacts on my credit report. ( [ XXXX ] ( XXXX ), [ XXXX ] ( XXXX ) ) 3. **Unfulfilled promises regarding spending limit increases and other benefits tied to Ava products** : - Previous representatives made claims about benefits that have not been delivered, including spending limit boosts and other features. ( [ XXXX ] ( XXXX ), [ XXXX ] ( XXXX ) ) To reiterate from our previous communications, I expect the following actions to be taken immediately : 1. **Immediate application of the {$15.00} Boost to my Spending Limit PLUS an extra {$250.00} boost for inconveniences**. 
2. **Ava Monthly Subscription Fees Waiver for 24 months MINIMUM** ; NO LESS, or an additional complaint will be filed. 
3. **Removal of any Future DEBIT CARD Fees for Instant Repayments, and Unlimited Due Date Cycle Change Requests**. 
4. **Clear communication regarding the timeline and process** for the application of this boost, without further delays. 
5. **Assurance that such issues will not recur in the future**, and a review of your advertising practices to ensure transparency and honesty. 

Until Ava XXXX delivers on their multiple failed and unfulfilled promises, I will not allow any processing of scheduled payments. This includes Ava Card AutoPay, Subscription, Credit Builder Loan, or anything else. 

Today, I will be filing complaints across multiple complaint agencies, including the CFPB, FTC, and XXXX. Additionally, I will be providing extensive feedback and reviews of all the negative experiences Ive had with Ava across public forums and review sites. 

Please confirm receipt of this complaint and provide a detailed plan of action to address these concerns promptly. 

Regards,

Company response to consumer: Closed with explanation