Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (GA)

I find out in few days after I process the payment for my minimum balance that a something's wrong with their system. I actually change the account to be paid from my XXXX XXXX XXXX XXXX account not my XXXX XXXX account. I argue with them this, as I actually have removed all my function XXXX XXXX to change XXXX XXXX XXXX XXXX. There was no money in the account and I ended up getting an overdraft fee in addition to the charge. They refuse to help saying that I accepted the terms and I got a confirmation email of the change of account which I did not so the only back that fee. XXXX XXXX will honor reverse anything as long as they're reverse the charge. I have no problem paying them from the XXXX XXXX XXXX XXXX account. But they need to acknowledge there's something definitely wrong with your system. Another way I know something is wrong is because every time I have to reset my password but I know my password is the same. I always change it to the same thing days later when I want to go back into it it tells me that I don't know the right password and I have to reset it again. So there's something wrong there. 


As you can see our father complaint for the fraudulent charges they gave me the credit for the charges and then reverse them back which lab were me not being able to pay in my full {$70.00} amount that I owe the board room. Instead of {$70.00} being paid out. So they have me jammed up with XXXX XXXX as well as boardroom Salon because it reversed the charges for my fraud claim. I have been back and forth with them since the XXXX of the month and they seem to be ignoring me saying that the grizzly charge is legitimate because it was done with the app did I subscribe to. And true enough I do subscribe to the app but I haven't even used the app since the very first charge which was almost a year and a half ago. This was because they charged too much for the product and delivery and therefore I don't use it so like I told him I didn't give anyone permission to use my app nor use my card. They are ignoring me this time and it is affecting my credit score to have high usage on there. I will pay them minimum balance in order to try to hope that we can resolve this cuz I don't want any past due payment wrong with my credit report can you please help. I have clipped and paste the below information regarding the claim with Avant. 



This is from my statement ending XX/XX/XXXX Credit Card XXXX Available Credit $ XXXX Your total credit limit is {$300.00}. 
Current Balance {$370.00} Last Statement For the period XX/XX/XXXX - XX/XX/XXXX Statement Balance {$370.00} Total Minimum Payment Due {$25.00} Payment Due XX/XX/XXXX Scheduled Payments You currently have no scheduled payments. Scheduled payments will appear here. 
Transactions Statement Ending XX/XX/XXXX Description Type STATEMENT CREDIT REWARD Purchase XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$48.00} PAYMENT - THANK YOU Payment XX/XX/XXXX - {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX Purchase XX/XX/XXXX {$0.00} XXXX XXXX Purchase XX/XX/XXXX {$0.00} XXXX XXXXXXXX. 
Purchase XX/XX/XXXX {$1.00} XXXX XXXX XXXX XXXX Purchase XX/XX/XXXX {$3.00} XXXX XXXX Purchase XX/XX/XXXX {$4.00} XXXX XXXX Purchase XX/XX/XXXX {$4.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$7.00} XXXX XXXX XXXXXXXX Purchase XX/XX/XXXX {$8.00} XXXX XXXX XXXX XX/XX/XXXX {$9.00} XXXX XXXX XXXX Purchase XX/XX/XXXX {$10.00} XXXX XXXX XXXX Purchase XX/XX/XXXX {$15.00} XXXX XXXX XXXX XXXX Purchase XX/XX/XXXX {$18.00} XXXX XXXX XXXX  Purchase XX/XX/XXXX {$46.00} XXXX XXXX XXXX XXXX XXXX Purchase XX/XX/XXXX {$48.00} XXXX XXXX Purchase XX/XX/XXXX {$0.00} XXXX XXXX Purchase XX/XX/XXXX {$0.00} XXXX  XXXX Purchase XX/XX/XXXX {$6.00} XXXX XXXX XXXX  XXXX Purchase XX/XX/XXXX {$7.00} XXXX  Purchase XX/XX/XXXX {$40.00} XXXX XXXX Purchase XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$49.00} XXXX Purchase XX/XX/XXXX - {$15.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Purchase XX/XX/XXXX - {$49.00} My Rewards Lifetime Redeemed {$3.00} Currently Pending {$0.00} Schedule a One-Time Payment This is regarding my statement ending MayXX/XX/XXXX STATEMENT CREDIT REWARD Purchase XX/XX/XXXX - {$3.00} ANNUAL FEE XX/XX/XXXX THROUGH XX/XX/XXXX Purchase XX/XX/XXXX {$39.00} XXXX XXXX XXXX GA Purchase XX/XX/XXXX {$49.00} XXXX XXXX XXXX # CA Purchase XX/XX/XXXX {$0.00} XXXX XXXX XXXX GA Purchase XX/XX/XXXX {$40.00} XXXX XXXX XXXX XXXX Purchase XX/XX/XXXX {$6.00} XXXX XXXX XXXX Purchase XX/XX/XXXX {$40.00} XXXX XXXX XXXX # CA Purchase XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX GA Purchase XX/XX/XXXX {$18.00} XXXX XXXX IN XXXX XXXX GA Purchase XX/XX/XXXX {$7.00} XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XX/XX/XXXX {$48.00} XXXX XXXX XXXX # CA Purchase XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX MA XXXX XX/XX/XXXX {$1.00} XXXX XXXXXXXX XXXX XXXX GA Purchase XX/XX/XXXX {$46.00} XXXX XXXX XXXX # CA Purchase XX/XX/XXXX {$4.00} XXXX XXXX XXXX CA Purchase XX/XX/XXXX {$9.00} XXXX XXXX XXXX # CA Purchase XX/XX/XXXX {$4.00} XXXX XXXX XXXX XXXX XXXX Purchase XX/XX/XXXX {$7.00} XXXX XXXX XXXX # CA Purchase XX/XX/XXXX {$0.00} XXXX XXXX XXXX # CA XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX GA Purchase XX/XX/XXXX {$10.00} XXXX XXXX  XXXX XXXX GA Purchase XX/XX/XXXX {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$3.00} XXXX XXXX 'S XXXX XXXX GA Purchase XX/XX/XXXX {$15.00} My Rewards Lifetime Redeemed {$3.00} Currently Pending {$0.00} Schedule a One-Time Payment