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Initial Complaint
09/16/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am writing to urgently address the errors on my credit report, stemming from the unauthorized sharing of my personal information with credit bureaus. This situation has caused considerable financial and emotional *********** accordance with 15 USC 1681 Section 602, I have a right to financial privacy, and my personal information should be protected accordingly.Moreover, as outlined in 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot disclose account information without my explicit consent, which I have not provided.The inaccuracies tied to BLM AVA have negatively impacted my financial health, and I am requesting an immediate correction of these errors.Additionally, 15 USC 1666(b) specifies that creditors are prohibited from marking credit card payments as late under certain circumstances.For your reference, here are my account details: Account Number: *************************I request a prompt review and correction of the inaccuracies, in full compliance with federal law.If these issues are not resolved in a timely manner, legal action may be taken. I appreciate your immediate attention and resolution of this matter.Sincerely,****** *******
Business response
09/19/2024
We apologize for the experience you had. We take your views very seriously and would like to communicate with you regarding your account very soon. Our customer service department will contact you very soon. We are committed to providing the best service and will be in touch shortly.
Initial Complaint
06/28/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Over the last 4 months I have had trouble making my payments to Ava, both for the credit card and the loan. When I would try to use my bank account info their system would tell me I didnt have enough funds available even though I did. So then in order to avoid a missed payment on my credit report I tried to use my debit card, which costs $3 and the payment would state successful. Then when I go back into the app later it says I am still missing a payment. There was nothing wrong with my debit card. After emailing for help the first time I got a generic response that did not even address my issue. I sent multiple screenshots of both my bank and their app with thorough explanations. Then after emailing back I was told I did not have enough money or there was an issue with my debit card and to use another one. Which the audacity in the statement is wild. What kind of privileged world do they live in where they assume people have multiple bank accounts? ****** then fix their system they just say some asinine things like that.At this time my account had gone over 60 days past due so I was reported as missing a payment which TANKED my score. The entire point of this service is to help people build their credit score. It took me a week and multiple emails to get them to agree to correct it.Now this past month I am having the same issues and then some.So I went ahead and opened another account of obtain another debit card. But even after I added it the system was still trying to use my old oneOnce again, no helpful responses in the emails. At this time I have paid the $3 fee to make a debit card multiple times. At the point my credit is so dependent of this service that if I were to close score would tank even further. People are reliant on this service based on the promise of help with credit scores and they know people cant just cancel it. It feels like they are deliberately taking advantage of people that need help.
Business response
07/02/2024
We sincerely apologize for the difficulties youve encountered with our service. We value your feedback and are committed to improving your experience. Our customer service team will be in touch very soon to discuss your account and work towards a resolution. Thank you for your patience and understanding.
Initial Complaint
06/25/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have repeatedly contact Ava to remove the late payments of my credit report, and they will not respond to my inquiry. I have tried to explain to them that I got locked out of my email and account and tried to pay over the phone multiple times but they wouldnt answer or call me back after the voicemails. Please help get my credit report accurate again.
Business response
06/28/2024

We apologize for the difficulties you've experienced and sincerely value your feedback. Our customer service team is preparing to reach out to discuss your account and ensure your concerns are addressed promptly. Thank you for your patience; we are committed to providing you with the best possible service.
Initial Complaint
05/14/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
This broker is a scam!! Please guys avoid them. I was only a victim to them because I believe it will be the best for me but am unable to withdraw from them and they keep on asking for more deposit. Am so glad ****** was able to help in getting my funds from Them. God bless you MADAM, But if you wish to get in touch with HER I will be glad to share his info Email: HARPERJAMESPLATFORM G MAIL COM
Business response
05/15/2024
We apologize for the experience you had. We take your views very seriously and would like to communicate with you regarding your Ava Finance account very soon. Our customer service department will contact you very soon. We are committed to providing the best service and will be in touch shortly.
Initial Complaint
03/30/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Upon reviewing my credit report, I discovered late payment notations for the account in question, which I believe are inaccurate and in violation of credit reporting laws. I respectfully request a thorough investigation into this matter to ensure that my credit report accurately reflects my credit history. I assert that the reported late payments are erroneous and should be promptly rectified. Furthermore, despite my efforts to resolve this matter directly with Ava Finance, I have received no response to multiple letters I sent to them regarding these discrepancies. Their lack of communication exacerbates my concerns regarding the accuracy and legality of their reporting practices. Moreover, I am deeply concerned about Ava Finance's practices, which appear to violate both the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (***A), specifically outlined in 15 USC 1637. Ava Finance charged fees in advance for their services without providing the legally required disclosures, and they failed to inform me about the potential negative impact on my credit. Their failure to disclose these critical details constitutes a violation of federal credit repair laws. Additionally, Ava Finance unlawfully restricted payment options by not allowing transactions from my business account, further complicating my ability to manage payments. In accordance with the **** and ****, I request that a comprehensive investigation be conducted into the disputed late payments and the alleged violations committed by Ava Finance. Furthermore, I urge appropriate action to rectify any inaccuracies on my credit report and ensure compliance with all relevant laws and regulations. Ive sent letters thatve been ignored as well as emails. Ava is using deceptive marketing to promote credit building while billing in advance ahead of service which violates the *** act. They dont promote that they report missed payments and dont allow bank transfers from certain accounts.
Business response
04/23/2024
We sincerely apologize for the difficulties youve encountered with our service. We value your feedback and are committed to improving your experience. Our customer service team will be in touch very soon to discuss your account and work towards a resolution. Thank you for your patience and understanding.

Customer response
04/23/2024
*** sent certified mail, emails, complaints to federal agencies and have yet to hear back from this company. Alone the fact that theyve seen this BBB complaint and refuse to look into things or provide a response is troubling in itself
Business response
05/03/2024

We apologize for the difficulties you've experienced and sincerely value your feedback. Our customer service team is preparing to reach out to discuss your account and ensure your concerns are addressed promptly. Thank you for your patience; we are committed to providing you with the best possible service.
Customer response
05/09/2024
this is an apology letter with no substance, no answers or resolutions to the complaints provided
Business response
09/20/2024
We apologize for the difficulties you've experienced and sincerely value your feedback. Our customer service team is preparing to reach out to discuss your account and ensure your concerns are addressed promptly. Thank you for your patience; we are committed to providing you with the best possible service.
Initial Complaint
03/24/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
This is a total scam. Charged more than the advertised price. Support says this is algorithmic and can't be changed. They don't have an option to cancel and keep the membership for as long as you paid (1 year). The card doesn't show up on my reports after weeks even though they have a fancy animation of it being added to ***********. Can't use the virtual card for ******* because it doesn't support 3DS. Utter waste of 84$.Doesn't work ANYWHERE actually. Even if you do attach it to something, they will "forget" to pull and therefore report you delinquent. No way to remove the linked accounts, will have to put a stop pay and also report this as fraud to my linked card.
Business response
04/23/2024
We apologize for the difficulties you've experienced and sincerely value your feedback. Our customer service team is preparing to reach out to discuss your account and ensure your concerns are addressed promptly. If you have any further questions or if there's anything else we can assist you with, please feel free to reach out to us. We value your feedback and are here to ensure your continued positive experience with us.
Customer response
04/23/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

*************************
Initial Complaint
02/22/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I do not have an account with this company. I do not know nor recognize this company. I have requested original contracts from this company which they have yet to provide. I have no agreements with this company, and did not know about their existence until I seen them on my credit report.
Business response
04/23/2024
We sincerely apologize for the difficulties youve encountered with our service. We value your feedback and are committed to improving your experience. Our customer service team will be in touch very soon to discuss your account and work towards a resolution. Thank you for your patience and understanding.
Initial Complaint
02/07/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I contacted the *********** To file a complaint against AVA credit builder company and they informed me to also file a complaint with my local BETTER BUSINESS BUREAU. For your Assistance.Ava received a refund from Amazon prime subscription in the amount of 101 dollars on December 6th.2023. for subscriptions that I cancelled and they refunded it.Ava never returned my refund to me.My Ava bill was due December 18th.2023. I had just received a refund to my account 12 days before for 101. Dollars so my account even said zero payment due on December 18th.2023. which was accurate. I have screenshots of everything which I submitted to the ***** And they have on file also. My wife got a Roku free trial December 22cnd.2023. for 1 dollar for ******************** Plus this is 4 days after my billing payment date for December which is December 18th.2023.A HBO *** we added December 23rd.2023. which is 5 days past the billing cycle end for December which it would go to ******* 18th.2024. **** not backwards to the December 18th.2023. bill like they did.On December 30th.2023 the free trial ended with Roku for the ******************** plus so they charged ****** to my AVA charge card ******* 1st.2024. AVA illegally accessed my chase checking account that was linked for payments in the amount of 87 dollars not on my due date because my due dates are the 18th. Of every month and they took the balance from the Amazon prime subscription refunds on December 6th.2023 So I contacted them and by email there reply was they took the money for the charges at the end of the month which is a VIOLATION are contract is payment on due date anything after goes to the next month I have a 150 credit limit with them.On ******* 3rd.2024. I got the email receipt from Roku confirming that they refunded the ******. dollars charge because my wife didn't like the content of the free trial so we cancelled it and they refunded us tell today a a claims they haven't received it I have all copies as proof
Business response
04/23/2024
We apologize for the experience you had. We take your views very seriously and would like to communicate with you regarding your account very soon. Our customer service department will contact you very soon. We are committed to providing the best service and will be in touch shortly.

Customer response
04/23/2024
This is the 2cnd time I have had to contact the Better Business Bureau. About this issue it was resolved by Ava rep. **************** And the next month this month April it has happened again that's why I requested the first time to refund it to my bank account that it was illegally taken out of not give me credit to use with the company refund my money so it can't cause this same confusion again and Roku just refunded *****. for those same charges and I don't have the ******* anymore it was returned to *******. Ava have not refunded that yet they act like my refunds are there's it's my refund not Ava that's how the ******. mistake happened paramount plus refunded a year trial that they charged me and Ava tried to keep it and say it's my bill
Business response
05/03/2024

We apologize for the difficulties you've experienced and sincerely value your feedback. Our customer service team is preparing to reach out to discuss your account and ensure your concerns are addressed promptly. Thank you for your patience; we are committed to providing you with the best possible service.
Initial Complaint
01/22/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I unfortunately was going through the death of my dog and had to pay thousands to cover the bills and burial costs and went behind a few months on the payments but paid it In full. I spoke to *********** and they were able to remove the late payments and were Amazing and very caring. Now AVA told me that its against FCRA to remove the late payments which is 100% NOT true. The company will not remove late payments to help one of their first ever customers fix credit but claim to be a company that wants to help. Its really sad how companies like this even get a license to do this. I had to deal with the death of a dog I had for 15 years I was mentally unstable yet the company could care less. If I could give less than 1 star I would. They would close the ticket before looking over my concern. It was ********** and ******* that I spoke to. ********** is the most heartless person I spoke to. The app is also extremely glitchy making it impossible to make a payment sometimes
Business response
04/23/2024
We sincerely apologize for the difficulties youve encountered with our service. We value your feedback and are committed to improving your experience. Our customer service team will be in touch very soon to discuss your account and work towards a resolution. Thank you for your patience and understanding.
Initial Complaint
01/11/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
On 12-3-2023, I signed up for meetava.com. Shortly thereafter, I encountered significant issues linking my bank accounts through Plaid, a third-party platform used by meetava for secure financial data sharing. Despite diligently attempting to connect my accounts, which function flawlessly with Plaid on over ten other platforms, meetava's technical support failed to provide meaningful assistance.My initial contact with meetava support focused on resolving the Plaid integration issue. Agents initially misunderstood my concerns and advised me to contact my bank.Negative Credit Reporting and Unsatisfactory Resolution:Frustratingly, due to the unresolved Plaid integration and meetava's inaction, my credit report was erroneously marked with a late payment for a minimal $4.00 monthly fee. In contrast, I had already paid a substantial yearly membership fee of over $300 to meetava.I attempted to rectify the situation by proposing to settle the $4.22 outstanding balance to remove the negative ***** However, even paying with a debit card, as suggested by meetava, proved impossible as there merechant account would not take the two cards I tried to use. Despite providing documentation of my attempts, communication from meetava ceased completely.Given the ongoing technical issues, lack of technical support, and erroneous credit reporting caused by meetava's system, I request the following: Immediate removal of all inaccurate and damaging information from my credit report. A full refund of my yearly membership fee. Confirmation of data security and improved integration with Plaid to prevent future issues.I emphasize that I remain open to working with meetava to resolve this matter amicably. However, the current situation necessitates your intervention to address the company's negligence and protect my credit score from further harm.Thank you for your time and consideration. I look forward to your prompt response and swift resolution of this complaint.
Business response
04/23/2024
We apologize for the experience you had. We take your views very seriously and would like to communicate with you regarding your account very soon. Our customer service department will contact you very soon. We are committed to providing the best service and will be in touch shortly.

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