Consumer complaint received 2023-04-11
Company: Avant Holding Company, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am happy to provide PDFs of communications to prove the following if Avant is unable to locate them. 
1. Within the past six months, Avant approved a credit card in my name with a {$300.00} limit. 
XXXX. Until XX/XX/ in the later afternoon, I did not have a balance on the card. 
XXXX. On the morning of XX/XX/XXXX  I advised Avant of my new address ; I similarly advised other creditors of this address change. 
XXXX. Avant did not provide ( and presumably does not provide to everyone, but who knows ) a way to change your own address. Instead, it required me to send them an email advising of my new address. 
XXXX. Avant sent me an email " requiring '' me to provide them proof of my new address. 
XXXX. Avant did not detail why it " required '' proof of my new address. 
XXXX. I have never encountered a creditor requiring proof of address after the initial application. 
XXXX. In response to the customer service person, I wrote asking for an explanation as to why they required me to prove my address. 
XXXX. Avant responded by directing me to call their customer service number. 
XXXX. I responded by indicating I preferred that ( i ) they explain their reason in writing ; and ( ii ) if I was required to do so by the terms of our contract that they cite the relevant provision, While I was not rude, I was certainly direct. I questioned why they were declining to respond substantively in writing- this is particularly relevant considering they initiated their demand in writing, XXXX. Avant responded in two further emails in which ( i ) it did not even address my question, much less respond to the substance of the question, and ( ii ) referred me to call their customer service. 
XXXX. In my final response at XXXX XXXX., I indicated that I expected a response in writing. 
XXXX. They have not responded. 
XXXX. On its face, this may seem like a ridiculous complaint. The card member agreement available on their mobile app ( after you log in ) does not " require '' me to provide the proof they describe. ( ii ) They seek to discuss this matter in a forum ( by phone ) in which there is no trail of the what was discussed other than, presumably, their customer service person 's notes. I don't accept that kind of power struggle. Written communication is perfectly acceptable, creates a paper trail, and I don't see anything that compels me to communicate in the manner which THEY want, so long as I communicate with them, which I have done. 
XXXX. Simply put, I don't trust Avant to stand by whatever statements it may make over the phone, and I suspect they will close/limit my account which is why I am filing this complaint perhaps precipitously. I do not have the realistic option to close this account because doing so will hurt my credit rating even though it is already most positively described as " rebuilding. '' I appreciate that I am " raging against the machine '' here and that I probably look like a pedant. But I don't like being bullied, and I don't like companies that absolutely REFUSE, the way Avant has, to answer the legitimate question they are asked in response to their question.

Company response to consumer: Closed with explanation