Consumer complaint received 2024-01-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Ava Finance, Inc (MA)

On XX/XX/XXXXXXXX XXXX XXXX XXXX subscription refunded my AVA credit builder account XXXX dollars for tv apps I didn't subscribe to. 
AVA did not refund me my money they paid my XX/XX/XXXX. Bill in full and applied the remainder of the XXXX refund to my AVA credit builder account in the amount of XXXX dollars. 
So when my XX/XX/XXXX. Bill was due it has XXXX due because the bill was just paid in full on XX/XX/XXXX. Out of my XXXXXXXX XXXX subscription refund of XXXX dollars so in my XX/XX/XXXX due date it still had my XXXX dollars credited available. 
So on XXXX XXXX. My wife tried a XXXX free trial for XXXX dollar that posted on my AVA account as pending 2 times on XXXX XXXX. Which is after my due date for XX/XX/XXXX. That took my credit showing on my AVA credit builder account at XXXX dollars it was showing it. 
On XX/XX/XXXX. My wife purchased XXXX XXXX on XXXX for XXXX On XX/XX/XXXX the XXXX XXXX XXXX ended for the XXXX XXXX XXXX TV XXXX and charged my AVA credit builder account XXXX On XX/XX/XXXX. AVA. XXXX accessed my chase bank account for XXXX dollars and used the XXXX dollars that was credited to my AVA account from XX/XX/XXXX. Refund From XXXX prime subscription for the balance from the XXXX charge from XXXX the 2 days before on XX/XX/XXXX. Which is a VIOLATION my XXXX due date already passed on XX/XX/XXXX. With a XXXX balance it was now XXXX this charge would have went on XX/XX/XXXX. XXXX not backwards on a XX/XX/XXXX. XXXX that has already passed. 
On XX/XX/XXXX. XXXX refunded the XXXX charge for the free trial ended on XX/XX/XXXX because my wife didn't enjoy the content so she cancelled it XXXX sent us a receipt confirming that they refunded the XXXX on XX/XX/XXXX. Which I have attached to this complaint also. 
On XX/XX/XXXX. AVA received the XXXX dollars they ILLEGALLY PROCESSED IN VIOLATION OF OUR CONTRACT XX/XX/XXXX. 
I have sent them the receipt from XXXX proving they refunded the XXXX on XX/XX/XXXX. And that I want refund for the XXXX don't credit my AVA account like they did with the refund from XXXX prime subscription XX/XX/XXXX. For XXXX dollars. 
That I want the XXXX dollars return back to my chase bank account that they illegally took violation of our contract my next due date is XX/XX/XXXX. Not XX/XX/XXXX. Or XX/XX/XXXX. I had a paid in full my last due date XX/XX/XXXX anything after that would go to my XX/XX/XXXX. XXXX not backwards to the XX/XX/XXXX. XXXX that has already passed but that's the scam & VIOLATION OF OUR CONTRACT they tried to do i attached the proof of them saying this in a reply email on XX/XX/XXXX. When I was emailing the trying to resolve this issue but now I'm retaining a consumer law attorney and sueing AVA FOR THESE VIOLATIONS I have provided in this complaint I wish for CFPB to make this public this is not the first time AVA has done this to my account that's why I always check my bank accounts DAILY this is how I caught this SCAM they did with my XXXXXXXX XXXX account and I know there doing it to other customers