Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, am filing this complaint against Avant , LLC and XXXX for : ( 1 ) failing to properly investigate and credit unauthorized charges totaling {$490.00} ; ( 2 ) improperly denying my fraud dispute ( Claim No. XXXX ) without evidence ; ( 3 ) continuing to collect fees and interest on disputed charges in violation of the Fair Credit Billing Act ; ( 4 ) reporting my account as 30 days late to credit bureaus while my dispute was pending causing my credit score to drop XXXX points ; and ( 5 ) allowing my account to go over its credit limit entirely due to their failure to credit the fraudulent charges. DETAILED FACTS : Step 1 Unauthorized Charges Appeared on My First Statement I am a new AvantCard cardholder. Upon receiving my very first billing statement ( closing XX/XX/year> ), I discovered two charges I did not make : {$490.00} at " XXXXXXXX XXXX XXXX XXXX XXXX '' ( XX/XX/year> ) and {$0.00} at " XXXX XXXX XXXX XXXX '' ( XX/XX/year> ). I did not authorize either transaction. The {$490.00} charge was placed on my account when I had no prior balance and pushed my account to its {$500.00} credit limit on a brand new card. Step 2 I Filed My Dispute Immediately I filed a fraud dispute through the Avant mobile app as soon as I received my statement within the first billing cycle, well within the 60-day window required by law. My claim was assigned Claim No. XXXX. Step 3 My Claim Was Denied Without Explanation or Evidence Avant denied my claim. The denial was for reasons I was told were " frivolous '' and not supported by any actual investigation findings or documentation showing I authorized the transaction. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), when a creditor denies a billing error dispute, it must provide a written explanation and documentation supporting its position. I received no such documentation. Step 4 I Called and Got No Help ( XX/XX/year> ) After receiving no follow-up, I called Avant 's customer service on XX/XX/year>. I spoke with two representatives who identified themselves only as " XXXX '' and " XXXX. '' Both refused to provide their last names or employee IDs. I was not given any meaningful update on my dispute, and no corrective action was taken. Step 5 Avant Continued to Charge Fees on the Disputed Balance Despite my open dispute, Avant continued assessing fees on the disputed balance, in direct violation of the XXXXXXXX XXXX prohibition on collection during investigation. These include : a {$7.00} payment protection fee ( XXXX ), a {$39.00} late fee ( XXXX ), {$15.00} in interest ( XXXX ), and a {$9.00} payment protection fee ( XXXX ). These charges are illegitimate and must be reversed. Step 6 Avant Reported Me 30 Days Late to the Credit Bureaus ( Illegal ) Avant reported my account as 30 days past due to the credit bureaus for XX/XX/year>. Under 15 U.S.C. 1666 ( d ) ( 1 ), a creditor may NOT report a consumer as delinquent on any disputed amount while the dispute is under investigation. Because the entire past-due balance stems from the unauthorized {$490.00} charge I disputed, this adverse reporting was illegal. As a result of this unlawful reporting, my credit score has dropped XXXX points. Step 7 Current Account Status As of XX/XX/year>, my account balance is {$610.00} over my {$500.00} credit limit with {$70.00} past due and a minimum payment demand of {$130.00}. All of this is directly traceable to Avant 's failure to credit the fraudulent {$490.00} charge. I should not owe any of this amount and I should not be penalized for non-payment of a fraudulent charge I never authorized.

Company response to consumer: Closed with explanation