Consumer complaint received 2023-10-09
Company: Avant Holding Company, Inc.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am sick and tired of this absurd situation. This XXXX be the worst company ever to do business with and they are completely incompetent. Attached is the latest message I sent to them on XX/XX/23 to all the email addresses I have been told to send correspondence. XXXX XXXX XXXX XXXX XXXX XXXX Thank you again for providing another worthless, XXXX response. The level of incompetence at your companies is alarming and brings an entire new meaning to the word shyster. It is now clear this is all by design in an attempt to either pass liability to another company or as a intentional game to make it so a customer gets nowhere with the process and hopefully acquiesce to the stupidity. As you can clearly see, I already did what you stated ( contact the fraud department ) multiple times at this point, both on the phone and through email ( which is clear since the email address is in the list of addresses to which the previous emails were sent ). I also called the number and spoke to multiple people there over the past few months and am just repeatedly told to contact Avant because the fraud department ( some strange outsourced company ) do not make the decision and there is nothing they can do because Avant made the decision. As previously stated, once I communicate with Avant again all I am told is to recontact the fraud department. The XXXX department is a third party company and every time I contact them and get nowhere and request to file a complaint and ask what company they are, the representative hangs up on me without filing a complaint, transferring me to a XXXX, or telling me what company they are. 

XXXX 's policy is XXXX XXXX XXXX for unauthorized charges, which applies here. You are in violation of XXXX 's policy as well. 

Once again, I am writing to notify you that you are in violation of the law ( which for whatever reasons seemingly mean nothing to you and will definitely come back to haunt you ) and I will be seeking damages if you do not immediately resolve this by removing the charges and fees and also rectifying all the erroneous information submitted to the credit bureaus. You already significantly violated the law and it caused harm to my financial records and adverse action against me. 

As previously stated in emails on XX/XX/23, XX/XX/23, XX/XX/23, and multiple other instances over the past few months, this needs to be resolved as I still have not received a refund for the fraud and you are still trying to collect from me while reporting my account as late and over limit to the credit bureaus, all of which is in violation of the law of the XXXX Credit Billing Act. Once again, please find attached the complaint submitted to the CFPB, ( which I will be resubmitting should you not immediately resolve this ). Thank you for your help immediately rectifying this as I am not liable for fraud. XXXX has XXXX XXXX XXXX. Please immediately remove all the charges/fees/etc. on my account and rectify the information reported to the credit bureaus. Thank you for your help rectifying this immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation