Ava Finance, Inc.

Back in XXXX I reached out to Ava finance to close two accounts that I had with them. One being a savings account in which I paid {$25.00} a month for 12 months and the other was the monthly subscription. On the website there is nowhere you can go to cancel the services. So I reached out by email. I received email confirmation from the customer service representative that they would close my account. This was in XXXX. 2 months later, I noticed that I had late charges from not paying my monthly fee. I was under the impression that the account was closed based on the email that I received from the customer service representative.

Subject : Ava Financial Reporting Inaccurate Credit Information I am filing a complaint regarding Ava Financial Inc and the nationwide credit reporting agencies. The account is being reported differently across multiple credit bureaus. Examples include : * Different reporting dates * Different creditor addresses * Different payment statuses * Missing XXXX XXXX fields * Inconsistent account remarks * Conflicting balance and credit limit information Despite these discrepancies, the account continues to be reported as accurate. Under the Fair Credit Reporting Act, specifically : * 15 USC 1681e ( b ) * 15 USC 1681i * 15 USC 1681s-2 ( b ) both the credit reporting agencies and the furnisher are required to investigate and report only verified and accurate information. I request that CFPB require Ava Financial and the credit bureaus to : XXXX. Conduct a reasonable investigation. XXXX. Produce the documentation used to verify the account. XXXX.…

I am submitting this complaint regarding Ava Finance 's refusal to make a goodwill adjustment after a late payment was reported to the credit bureaus. I enrolled my Ava Card in AutoPay because I intended for my payments to be made automatically. According to Ava, my bank connection through XXXX became disconnected, causing the automatic payments to fail. I was unaware that the connection had been disconnected and did not intentionally fail to make my payment. The Ava Card was only being used for a small recurring subscription, and I reasonably relied on AutoPay to process my payments. Once I became aware there was an issue, I immediately paid the outstanding balance in full. The debt has now been paid in full, the account is closed, and Ava has received every dollar that was owed. Although Ava states that reminder emails were sent, I believe the company should have provided clearer and more effective notice that my AutoPay had stopped functioning because of a Plaid disconnection.…

I've cancelled this service. Changed cards. Reported fraud each month for XXXX months with my bank and AVA FINANCE INC is still charging me each month

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2026 VIA CERTIFIED MAIL RE : CEASE AND DESIST COMMUNICATION DEMAND PURSUANT TO 15 U.S.C. 1692c ( c ) To Whom It May Concern : This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). You are hereby directed to cease and desist all communications with me regarding any alleged debt associated with the following accounts : Ava Financial Inc. Account ending in XXXX Pursuant to 15 U.S.C . 1692c ( c ), upon receipt of this notice, you must cease all communication with me regarding the above-referenced accounts except as expressly permitted by law, including : Advising that your collection efforts are being terminated ; Notifying me that you may invoke specified remedies ordinarily invoked by your organization; or Notifying me that you intend to invoke a specified remedy.…

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> VIA CERTIFIED MAIL RE : CEASE AND DESIST COMMUNICATION DEMAND PURSUANT TO 15 U.S.C. 1692c ( c ) To Whom It May Concern : This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). You are hereby directed to cease and desist all communications with me regarding any alleged debt associated with the following accounts : Ava Financial Inc. Account ending in XXXX Pursuant to 15 U.S.C . 1692c ( c ), upon receipt of this notice, you must cease all communication with me regarding the above-referenced accounts except as expressly permitted by law, including : Advising that your collection efforts are being terminated ; Notifying me that you may invoke specified remedies ordinarily invoked by your organization; or Notifying me that you intend to invoke a specified remedy.…

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

I have made several attempts over XXXX weeks to get in touch with someone to make my final payment. This company has no customer service that you can get a hold to a live person. They mostly use AI to conduct your business they keep reporting me late to the credit bureau XXXX but I have made several attempts over several weeks to try to pay them but there's no way for me to pay them. This is cost me great harm and cause my XXXX XXXX to drop XXXX points

I opened a secured credit-builder installment loan with Ava and successfully made payments for approximately XXXX years. My account reflects a strong payment history, with only XXXX final payment remaining before completion of the loan and release of my secured funds. Near the end of the loan term, Ava disconnected the bank account that had been used for payments. Following this disconnection, I was unable to make the final payment through the Ava app. The app displayed messages indicating that my account connection needed to be restored and that payment functionality was unavailable. After discovering the issue, I immediately attempted to resolve it. I re-linked my bank account as instructed by Ava and made multiple attempts to complete the final payment. Despite following their instructions, the app continued to prevent me from making the payment. The account showed a remaining balance but did not provide a working method to bring the account current and complete the loan.…

Ava credit has never reported any of my rent or utility payments. They requested my lease and I provided everything. This has gone on for almost a year but they never report to my credit. I paid for an entire year and now I am requesting my money back for them never doing their part for my credit

My account has automatic payments enabled, but the companys system is failing to process my payments even though I have sufficient funds available. I have received repeated failed payment notifications such as insufficient funds or payment not processed, which is inaccurate. I contacted customer support on XX/XX/year> and XX/XX/year>, as well as prior dates. On XX/XX/year> I was told the issue was fixed and would be investigated, but I did not receive any follow-up and the problem is still ongoing. Because of this system error, I am concerned about potential late fees and incorrect negative credit reporting. I am requesting that my account be corrected immediately, that autopay be properly fixed, and that no negative credit reporting or fees be applied due to this issue.

I am writing to dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNTS! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable to provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report and update the account status to " paid as agreed. '' AVA XXXX - XXXX

This complaint is a follow-up to CFPB Case # XXXX. In their previous response ( XX/XX/year> ), Ava Finance claimed that their {$9.00} monthly fee is a voluntary " membership '' subscription and not a finance charge, thereby attempting to bypass the 25 % fee-harvester cap under 12 CFR 1026.52 ( a ). However, new evidence from an automated " past due '' email sent by Ava on XX/XX/year> ( attached ), explicitly contradicts this defense. In the email, Ava threatens that failing to pay the " membership '' fee will result in the loss of the XXXX XXXX XXXX, which they state would " spike your credit utilization up to 185 %. '' This communication proves that the fee is a mandatory condition for maintaining the credit line and its associated reporting benefits. Under Regulation Z, because the fee must be paid to keep the credit line open and active, it is a finance charge.…

Initially I tried to settle the account with AVA just to see what I could do to get this adverse account off my credit report. They told me it was nothing I could do. The reason it was nothing I could do is because they are not a lender. They never disbursed any funds, credit or product ( s ). With that said due to laws this account should not be on my credit report.

I am filing a formal complaint against Ava Finance regarding an unresolved billing issue and failure to respond to multiple contact attempts. On XX/XX/year>, I was charged {$11.00} for a transaction that was not successfully completed. Despite the failed transaction, I was required to pay for the service separately out of pocket. I made multiple attempts to resolve this issue directly with Ava Finance, including : XX/XX/year> Initial contact XX/XX/year> Follow-up attempt XX/XX/year> Follow-up attempt XX/XX/year> Contacted support via app/email/chat To date, I have only received limited responses requesting verification of the merchant. After providing the requested information, no further response or resolution was provided. Ava Finance attempted to claim this was a backdated charge, but I was still forced to pay the merchant myself, confirming that the charge was invalid. This failure to address an invalid charge and lack of communication is unacceptable.…

XX/XX/year> {$48.00} was deducted prior to the payment due date XX/XX/year> {$48.00} was refunded due to the payment being taking prior to the payment due date. After speaking with another agent he confirmed it was a system error. XX/XX/year> I made the payment of {$51.00} which still has NOT been applied to my account. These issues have been repeated errors each month with my payments not reflecting. This company takes the payments prior to the due date and then doe not apply it to the balance. Today, my balance is reflecting {$77.00} and no one can provide an explanation as to what happened with the payment of {$51.00}.

I am filing a complaint against Ava Finance regarding an unauthorized charge on a closed account. I closed my Ava Finance account in XX/XX/XXXXXXXX and received my remaining balance at that time. The account was fully settled and has also been reported as closed on my credit report. Despite this, Ava Finance processed a charge of {$57.00} on XX/XX/XXXX. There has been no account activity, no usage, and the card associated with the account is not activated. This charge appears to be an automatic renewal of a subscription that should have been canceled when the account was closed. I contacted Ava Finance to request a refund. However, they have refused to process the refund unless I provide excessive identity verification, including a photo of my drivers license and a selfie holding my ID. I am not requesting access to the account or any sensitive changesonly a refund of an unauthorized charge.…

Description of What Happened Company : Ava ( Ava Finance , Inc. ) Issue : Fee-Harvester Violation ( 12 CFR 1026.52 ( a ) ) & Unfair/Abusive Billing ( Account Lockout ) I am filing this complaint because Ava is violating the 25 % fee-harvester cap under 12 CFR 1026.52 ( a ) and engaging in unfair billing practices by charging fees for an account I can not access. 1. Federal Fee Cap Violation : Ava reports this account to credit bureaus as a 'Credit Card ' with a {$270.00} limit. Under federal law, total non-penalty fees in the first year can not exceed {$67.00} ( 25 % of {$270.00} ). The Math : Ava reports a credit limit of {$270.00} to the bureaus but charges a mandatory monthly fee of {$9.00}. This totals {$110.00} per yearwhich is 43 % of the credit limit. This far exceeds the federal 25 % cap ( {$67.00} ) for first-year accounts. The company 's attempt to rebrand this as a 'membership ' is a deceptive workaround, as the fee is required to maintain the credit line. 2.…

I am submitting this complaint regarding Ava Finance , Inc. and the reporting of a late payment to the credit bureaus. I enrolled in Avas credit-building service and made efforts to maintain my account in good standing. When attempting to make a payment through their app, I experienced repeated technical issues. The app would not properly process or accept my payment, despite multiple attempts over a period of time. I continued trying to resolve the issue and complete the payment through their platform. Despite my repeated efforts to make a timely payment, Ava ultimately reported my account as 30 days late to the credit bureaus. I was not able to successfully complete the payment due to what appeared to be a malfunction or failure within their app, not a refusal or neglect to pay. Once I realized the payment had not gone through and had been reported, I immediately paid the balance and brought the account current.…

I am requesting the immediate removal of the following account from my credit report : Ava Finance INC I do not recognize this account and did not authorize it. This account is reporting inaccurate and negative information that is harming my credit. I have previously been a victim of identity theft, and this appears to be a continuation of unauthorized activity. I have attached my FTC identity theft report as proof. I am requesting that this account be investigated and deleted from my credit report immediately.

I am filing this complaint against XXXX for unauthorized electronic fund transfers from my bank account. I previously notified the company in writing that I revoke any and all authorization for them to access or debit my account. I demanded cancellation of any services and clearly stated that I do not authorize further withdrawals. Despite this, the company continues to deduct funds from my account. I do not have their application installed on my device and have not authorized recurring transactions. These withdrawals violate the Electronic Fund Transfer Act ( 15 U.S.C. 1693e ) and Regulation E ( 12 CFR Part 1005 ). Under federal law, authorization for preauthorized electronic fund transfers must be revocable, and I have revoked authorization. The company has failed to : Cease debiting my account Provide proof of authorization Refund unauthorized transfers Confirm closure of any account in my name I am requesting : Immediate refund of all unauthorized withdrawals.…

This is suppose to be a credit building card that gives you option to use limits on card 5 % limit gives access to several vendors. Or you can use your full limit with restricted vendors. I paid for XXXX and now I dont have access to toggle back and forth. Also I have made 12 on time payments and the limits are not showing up on my credit. I have attempted to reach them several times and never get a response. They have taken monthly subscription fees and not provided the service.

Contradictory status inaccurate credit limit and inconsistent reporting on an open account