Consumer complaint received 2023-05-13
Company: Avant Holding Company, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Avant wont offer the payment plan they claim in their last and most recent response lower to Consumer Financial Protection Bureau and I that they would offer. I have emailed them, gone to their app and their website and it doesnt or wont even offer me a new reduced payments plan. Do I need to sue them I court for lying and fraud? Because Im sure the the Attorney Generals office in Mississippi will be glad to help me. Avant is a terrible credit with lying customer service and managers, whom not only lie in their phone communications, but also their emails. They also wont allow you to legally transfer your balance out to another credit card or creditor. Avant is a leach and bad for the credit card and financial industry. As you shall see below, if something technical happens, Avant will take no blame but instead cast the blame on XXXX the issuer of their credit cards. How shameful! 


Background on what they ( Avant ) has done and not done : So, on XX/XX/XXXX I received a response to my initial complaint on here : they stated : Avant 's records indicate that due to a system outage on the date that XXXX XXXX enrolled in the second re-age plan ( XX/XX/XXXX ), their account was not properly flagged as being on a payment plan. As a result, on XX/XX/XXXX, after 6 cycles of delinquency, XXXX XXXX 's account was charged off before they were able to fulfill the terms of their most recent re-age plan. On XX/XX/XXXX, as authorized, a payment in the amount of {$59.00} was successfully made on the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX www.avant.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX www.avant.com Please advise XXXX XXXX that both payments of {$34.00} from XX/XX/XXXX, and the payment of {$59.00} from XX/XX/XXXX, have been successfully reversed. On XX/XX/XXXX, the payments were refunded to the bank account XXXX XXXX used to process the payments ; however, it may take up to 3 business days for the bank to release the funds. If XXXX XXXX has additional questions regarding these reversed payments, Avant recommends contacting their banking institution. As a result, Avant has taken the following actions : The charge-off status has been reversed in Avant 's records as of XX/XX/XXXX, and is visible on XXXX XXXX XXXX Avant Dashboard. A correction was filed on XX/XX/XXXX, with the credit bureaus to reverse the charge off and show the account as open which may take anywhere from 1-2 weeks to reflect on XXXX XXXX XXXX credit reports. The delinquency has been reset to the level of delinquency at the time the re-age plan was initiated on XX/XX/XXXX, and will remain stable throughout XX/XX/XXXX, billing cycle. The outstanding balance on XXXX XXXX 's AvantCard is {$480.00}, with a past-due balance of {$160.00}, and a total minimum payment of {$190.00} due by XX/XX/XXXX. However, Avant invites XXXX XXXX to call back in to see what payment plans they qualify for by completing our financial situation review. They may also complete this review on their Avant dashboard. If no payment plan is available or accepted, and/or if no payment is made to the account by XX/XX/XXXX, the account will be charged off on the subsequent cycle, no later than XX/XX/XXXX. Well, I was and still have not been offered the same plan again or even a new on on their website, app as they mention or even after contacting them. They also next after sending the above response immediately charged me late fess and interest. Someone needs to hold this company accountable! Im exploring allowing my U.S. Senators, U.S. Congremen, Secretary of State, Attorney General, the F.D.I.C. to investigate and take the actions they fill needed against an abusive so called financial company as Avant, who seems to only want to lie in response to yall at the CFPB, but continue on abusing Veterans like me and many others whom themselves have been affected with financial hardship due to the Covid-19 pandemic. I myself have had it mutiloke times and am recovering again. I know, I dont have to disclose this under H.I.P.P.A. Laws, but I hope by doing so, maybe it can shed some light on the abuses by Avant and how they wont take any blame. Instead, they will either blame the bank XXXX or their systems for errors. Please, CFPB hold Avant accountable for their bad behavior and unethical business practices. You can simply run a search on the subject of abuse/ abused by Avant Avant reviews and find many bad complaints and experiences in this horrible company that actually tries to call themselves a financial company. I ask for relief and my account be restored to on-time stays as well as all the false reportings to the credit bureaus by Avant for the last 200 plus days to made current. I expect to be offered a new low payment plan of at least {$10.00} a mont for 6 or more months as well. Im attaching how after responding on XX/XX/XXXX, Avant turned around immediately on XX/XX/XXXX and charged me fees and didnt even allow proper time under the credit card act or other laws to appropriately pay or even offer me a new plan as they promised they would in their response on XX/XX/XXXX.

Company response to consumer: Closed with explanation