Ava Finance, Inc.

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

I am filing this complaint against XXXX due to their failure to conduct a reasonable investigation and delete inaccurate information from my credit report as required by the FCRA. I am specifically disputing the account with AVAFIN. My initial dispute reason is that this closed account is inaccurately listed as positive with no payment history, which indicates a troubling lack of transparency on the part of the credit bureau. Under the Fair Credit Reporting Act ( FCRA ) 609, consumers have the right to dispute inaccurate information on their credit reports, and the credit bureau is obligated to conduct a reasonable investigation into such disputes. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers of information must provide accurate and complete information to credit reporting agencies. In the case of XXXX v.…

I am filing this complaint against XXXX due to their failure to conduct a reasonable investigation and delete inaccurate information from my credit report as required by the FCRA. I am specifically disputing the account with XXXX. My initial dispute reason is that this closed account is inaccurately listed as positive with no payment history, which indicates a troubling lack of transparency on the part of the credit bureau. Under the Fair Credit Reporting Act ( FCRA ) 609, consumers have the right to dispute inaccurate information on their credit reports, and the credit bureau is obligated to conduct a reasonable investigation into such disputes. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers of information must provide accurate and complete information to credit reporting agencies.…

I am filing this complaint against XXXX due to their failure to conduct a reasonable investigation and delete inaccurate information from my credit report as required by the FCRA. I am specifically disputing the account with AVAFIN. My initial dispute reason is that this closed account is inaccurately listed as positive with no payment history, which indicates a troubling lack of transparency on the part of the credit bureau. Under the Fair Credit Reporting Act ( FCRA ) 609, consumers have the right to dispute inaccurate information on their credit reports, and the credit bureau is obligated to conduct a reasonable investigation into such disputes. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers of information must provide accurate and complete information to credit reporting agencies. In the case of XXXX v.…

I sent the company a copy of my police report, My State ID, a picture of me holding that same ID, and my Statement with the item mentioned. As requested from the company. They then said that this information was not enough to have to account removed. Pursuant to FCRA and many other laws. The company willingly did not comply after receiving the information.

To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I dispute the validity of this debt and request full validation. Please provide the following : XXXX. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges XXXX. The name and address of the original creditor XXXX. Copies of any documents bearing my signature that show I agreed to assume this debt XXXX. Proof that you are legally authorized to collect this debt in my state XXXX. A complete payment history of the alleged account Until you provide the requested validation, you must cease all collection activity, including reporting or verifying this account with any consumer reporting agency. If this debt has been reported to any credit bureau, please note that it is disputed.…

I have a a auto loan for XXXX on my credit that needs to be removed its only one auto loan called XXXX XXXX with is a fraudulent account I didnt open and all inquires from the beginning of XXXX till XX/XX/XXXX all need to be removed all are fraudulent and I have a credit card called ava finance also needs to be removed off all bureaus

deposited {$300.00} into my AVA account as savings. When I attempted to withdraw my funds, the balance disappeared and is no longer available. There is no clear explanation in the app, and I have not received a resolution from customer support. I am requesting the immediate return of my {$300.00} or a written explanation of where the funds are being held.

I have Been trying to get this LATE PAYMENT removed for like 2 years!!! And still no help!!! I have been Requesting payment history and payment details for my Ava Finance account!!! They still havent sent me the details. Transunion investigation Came back Verified. My account was opened XX/XX/XXXX and was closed XX/XX/XXXX. Investigating showed that I paid my account for XXXX of XXXX and closed on XX/XX/XXXX of XXXX!!! How can I be late in XXXX when its 31 days in XXXX, and I closed my account closed the XXXX day of that month of XXXX!! Please help me Remove this late payment!!

I have a " XXXX XXXX '' loan with Ava Finance. The sole purpose of this product is to build credit history. Instead, Ava is damaging my credit by reporting me as XXXX days delinquent because their own payment system is technically broken. XXXX. Technical Refusal to Accept Payment : For months, Ava 's app ( via their vendor XXXX XXXX has rejected 3 of my valid checking accounts with the error " No eligible accounts, '' despite video proof that these accounts are active and funded. Their alternative " manual debit card '' option also fails to process. XXXX. Unfair & Deceptive Practice ( UDAAP Violation ) : While Ava claims they can not link my bank account to accept loan payments due to " connectivity issues, '' they are successfully auto-debiting my monthly " Membership Fee '' from that exact same bank account ( SECU ). They are utilizing the connection to collect their profit while blocking my ability to pay the loan obligation. XXXX.…

Debt Validation Complaint Letter ( CFPB ) Date : XX/XX/year> Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Creditor Name : AVA Financial Inc. Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX Re : Request for Debt Validation Account Number ( Partial ) : XXXX Claimed Amount : {$540.00} -- - To Whom It May Concern, I am submitting this complaint to formally dispute and request validation of the above-referenced debt that AVA Financial Inc. claims I owe . This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and all applicable federal consumer protection laws. Please provide complete documentation validating this alleged debt, including but not limited to : 1. The exact amount of the debt, including an itemized breakdown of principal, interest, fees, and any other charges. 2. The name of the original creditor, if different from AVA Financial Inc., and the date the debt was incurred. 3.…

AVA FINANCE INC Account : AVA Finance Inc. ( Balance {$27.00} | XXXX Late Payments ) reporting on XXXX Re : Direct Furnisher Dispute Inaccurate Late Payment Reporting I dispute the accuracy and legality of this account pursuant to 15 U.S.C. 1681s2. Violations Inconsistent and escalating delinquency codes ( XXXX ) without complete payment history ( 1681e ( b ) ). Failure to maintain accurate Metro 2 payment rating fields. Privacy and permissiblepurpose concerns ( 1681b ). AVA FINANCIAL INC / AVA FINANCE Reported on XXXX XXXX XXXX XXXX : {$27.00} XXXX late payments reported inconsistently Recent updates : XX/XX/year> Dispute Basis : Inconsistent delinquency reporting between bureaus ; de minimis balance ; potential Metro 2 accuracy violations ; failure to report complete payment history. Demand Delete this tradeline or provide full documentary and Metro 2 fieldlevel verification within 30 days.…

This is regarding an order from Ava Finance on XX/XX/25 for {$70.00} under email XXXX This company is fraudulent, and I did not authorize this purchase. Even though I've tried to resolve it with them, they refuse to do anything. I've contacted them many times. I demand a full refund immediately. They are a predatory company that should be shut down for misleading and unethical business practices.

[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, PA XXXX ] [ XX/XX/year> ] [ AVA FINANCE INC ] Account Number : [ XXXX ] {$15.00} DISPUTE AND VALIDATION REQUEST To Whom It May Concern : I am writing to notify you that I dispute the validity of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting that you provide the following : Verification of the debt, including a detailed statement showing the amount owed and how it was calculated. The name and address of the original creditor. Proof that you are legally authorized to collect this debt in my state. A copy of any contract, agreement, or document bearing my signature that you claim obligates me to this debt. Until the requested validation is provided, you must cease all collection activity, including reporting or verifying this debt to any credit reporting agencies.…

Ava XXXX has reported late payments on my credit file despite the account showing a {$0.00} balance and despite the fact that the platform provided no available option to make a paymentoften only allowing payment, which were unsuccessful. These late payments are inaccurate and misleading, and I have made multiple attempts to dispute them online, by mail, and by email. Each time, Ava XXXX failed to provide any supporting documentation or conduct a reasonable investigation as required under the FCRA. The continued verification of this inaccurate information, without substantiation, reflects negligent, unfair, and deceptive reporting practices. Given repeated failures to correct or validate the information, I am requesting immediate removal of these false late payments from my credit report.

I am filing a complaint against Ava Finance for reporting duplicate accounts, inconsistent data, and unverifiable information to the credit reporting agencies. Ava Finance has failed to correct errors after reinvestigations, violating multiple sections of the FCRA. ISSUE SUMMARY Ava Finance is reporting multiple duplicate accounts across TransUnion, Experian, and Equifax that contain conflicting and inconsistent data. XXXX. DUPLICATE ACCOUNTS ARE REPORTED AS SEPARATE ACCOUNTS Ava Finance is reporting the same account under different numbers and formats on each bureau. XXXX. DIFFERENT DATES OF LAST ACTIVITY Each bureau lists a different XXXX for the same Ava Finance account. XXXX. DIFFERENT ACCOUNT STATUS XXXX version shows Closed Another shows Paid Another shows Open XXXX. DIFFERENT CREDIT LIMITS & BALANCES Bureaus list different credit limits and different payment statuses for the same account. XXXX.…

AVA XXXX XXXX has had the make a paymentgrayed out since the beginning of the month, so if I wanted to, I couldnt pay early. Now it says my card is XXXX due to an overdue payment, which is incorrect. This is the second time this has happened, putting my credit at risk, and I would like for this to be fixed per 15 U.S.C. 1681. I probably wont use this service again if Im going to have to report it every few months. Its a great service they just need to fix their payment section

I am submitting this complaint regarding Ava Finance ( XXXX XXXX ), whose credit builder product has failed to perform as advertised and may violate federal consumer financial protection laws, including the Fair Credit Reporting Act ( FCRA ), the CARD Act, and potentially the Truth in Lending Act. I paid {$96.00} for a one-year subscription to XXXX XXXX XXXX XXXX program. Ava prominently advertised that I would receive up to a {$1400.00} credit limit, with the ability to use the card at approved merchants ( including XXXX and XXXX ), more merchants and that it would help me build credit through on-time payments. Despite having a {$0.00} balance and perfect payment history, the card has never worked not even once. Every attempted transaction has been declined, including with merchants Ava promotes on its website.…