Consumer complaint received 2022-10-20
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have previously complained regarding this credit card corporation Avant under case number XXXX with cfpb. Company has responded with misleading information and not accurate dates, or emails information showing the complete communication between my self and Avant. 

I have submitted emails and phone calls communications to Avant that are true and correct this information will clearly show how Avant is misleading providing answers regarding this lost credit card. 

My lost card was reported around XX/XX/XXXX or XXXX of this year after that. I received this e-mail. See Below. 

________________<___<_<___<_____<<<<<< This Is Email Was Sent On ByXXXX  Fraud & Dispute Specialist issuer Dispute Operations.. 

XXXX, XXXX XXXX, I am reaching out about your Avant fraud claim. I have received your claim for {$80.00} from XX/XX/2022. This charge was already set fraud and a provisional credit was issued while we investigate your claim. I received your voicemail and wanted to follow up. Was there additional fraud on the account? If so please send over a list of transactions so I can get that added to your claim. I understand your card was stolen, can you also please provide a brief description about what happened with your card? 

In order to receive a timely response, please respond to this email. 

Thank you, XXXX XXXX & Dispute Specialist Issuer Dispute Operations My respond see below. 

Attention XXXX, Around XXXX or XXXX of XX/XX/2022 I wrote see below First and foremost, my card was lost!. 

I explained that it was probably on my last transaction! Inside of a location by the name of XXXX for {$9.00} Regarding : Unauthorized Charges I notice SEVERAL charges on my account which I carefully spoke to several agents about and I was told that information was included and they have the information included on my claim. 

XXXX for {$150.00} ( please refer to XXXX ) XXXX XXXX {$80.00} ( please refer to XXXX ) Note : I have noticed it's very difficult to communicate with agents and supervisors. Moreover, I noticed this corporation provides misleading information and make several mistakes while taking information. 

Inaddition, I went over the account payments of, {$25.00} XXXX payments. 

I also ask about new card replacement? 

I also make and additional call regarding account status and Unauthorized charges place on my account. 

On one of last calls, I was given your number and now, I am responding. 

Please kindly respond and make corrections necessary to have my account in order and have my credit card available for use and proper balance of valid charges not Unauthorized charges. 

Regards, XXXX XXXX XXXX XXXX XXXX Cell XXXX XXXX Respond from XXXX ( She email me ) Hello, I have set fraud to the charges and issued the provisional credit for that amount while your claim is being investigated. I apologize that there has been communication issues getting your claim taken care of. I will contact you again should I need any further information. I will also submit your claim to the bank for resolution, once they have a decision about your claim a letter will be mailed to you with their decision. 

Thank you, Another email from XXXX XXXX, I am following up to let you know the bank has stated in order to resolve your claim please file an official police report mentioning the Avant card and the fraudulent transactions. Otherwise, the claim will be denied. 

Thank you /<__<_____<<<<<<<<<<<_____<<<<< Emails!!!! 

Hello, I am following up to let you know the bank has stated in order to resolve your claim please file an official police report mentioning the Avant card and the fraudulent transactions. Otherwise, the claim will be denied. 

Thank you, My respond via email!! 

I writing one more time of many times I have call and left messages regarding this situation. 

I am no longer in XXXX, yesterday I spoke to a supervisor her name is XXXX I explained the card was Lost and what you are requesting I call the local police department they can't help because is a different country!! 

XXXX XXXX Other Emails By Me!! 

To whom it may concern, I have wrote several times and call several times!!! 

On my last call, On Monday of XXXX of 2022 spoke with supervisor XXXX card services department. 

We went over everything related to the payment, new card, balance, available credit and much more. 

We concluded the conversation and I was advised everything is in order!!!! 

I now received another email that the bank is requesting a police report. 

XXXX XXXX, 2022 These is part of the email giving you of the information requested. Below was sent. 

XXXX am no longer in XXXX XXXX yesterday I spoke to a supervisor her name is XXXX XXXX explained the card was Lost and what you are requesting " I call the local police department they can't help because is a different country!!! 

**I was ask to see if my local police department can help. I call they can't!! Is a different country!!! 

I noticed your corporation has amount of complaints with BBB and CFPB, I noticed why. It must be because all the miserable service your corporation provides, misleading information, and intake information takeN from the beginning of XXXX XXXX!!. 

Note : XXXX XXXX XXXX XXXX. 

1st. If youve had your credit card stolen or discover that youve lost it, you should report it missing straight away as it could affect where you stand legally if the card is subsequently used by a thief. 

CARD WAS LOST AND REPORTED IN TIME FRAME AS PERMITTED. 

2nd.Your card provider should always refund you in full for any transactions that take place after you've reported your card missing. 

AVANT IS UNDECIDED 3.rdIn practice, many banks waive this 50 contribution so it's worth checking the terms and conditions or checking with your provider to see if you have to pay. 

AVANT WANT 50 CONTRIBUTIONS PLEASE ADVISE.

4th.transaction or that you've authorised someone else to buy the item using your card, then it needs to prove this - you don't need to prove you weren't responsible. 

AVANT HAS NOT PROVE. 

Regards, XXXX XXXX Another Email By Me!!! 

To whom it may concern, I have not received a respond since my last email sent, I need also provide the definition of lost!!! 


unable to be found or recovered. 2 unable to find one 's way or ascertain one 's whereabouts. 


And remind you of the following information see below I am not available to obtain any police report I am not longer in XXXX your corporation is a very misleading and lacks proper information. 


I was told in one of my phones calls everything was in order. 


On my last call, On Monday of XXXX of 2022 spoke with supervisor XXXX card services department. 



We went over everything related to the payment, new card, balance, available credit and much more. 



We concluded the conversation and I was advised everything is in order!!!! 


I hope you stop this nonsense!!! It's ridiculous XXXX XXXX Please reopened case XXXX advised Avant. I am not responsible and to respond with true and correct information. 

I have many more emails from me to XXXX and other information about this case and to review calls since report of lost card to customer service department. On several occasions, I was told everything is fine you are not responsible and your new card was ship out. 

I hope Avant answer properly and remove those Unauthorized charges from my account.

Company response to consumer: Closed with explanation