Consumer complaint received 2025-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Date : XXXX Subject : Fraud Report Request for Investigation and Assistance Dear Sir/Madam, I am writing to formally report a case of fraud that I have recently experienced and to request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter further. 

Summary of Incident : On XX/XX/year> I applied for a Loan from Avant. After the application process I was directed to a page that says I will be contacted within the next 24 hours. I waited 4 days and I was not contacted from an Avant representative so I moved on to another company/option. On XX/XX/year> is when I applied with another company and was approval the same day. After reviewing my bank account I saw a deposit from Avant in my account. I contacted customer service the same day because I did didnt agree or signed a disclosure for the amount that I was approved for ( was not the amount I needed ). I spoke to an employee asking what can be done and how do I go about returning the funds. I was told that I would get a call back from a manager/supervisor. A manager contacted me on XX/XX/year> trying to get me to return the fund that was deposited to my account and he told me to write a check and send it to a XXXX XXXX. I hung up because I didnt not seem like proper protocol. I have been calling back periodically and up until now to get in contact with another supervisor/Manager and from then in till now am still waiting for a call since. Each time I contact customer service for Avant they inform me that my case has been escalated but theres not manager or supervisor available at the moment. Avant said they sent me out information regarding my loan which I did not receive. I even asked them if they could forward me the same email they sent out and they told me they could not go that far back. At this point its only been 7 to 8 days. Upon checking my email Ive only received one thing from XXXX XXXX, which is where I signed up the application informing me that I was approved and I need to accept it unless it will expire soon ( I did not accept ). Also, the amount that I approved from in the email from XXXX XXXX was not the same amount Avant deposited into my account. They are constantly harassing me for money I didnt not agree, sign or know about, and this is now reflected on my Credit Report in the amount of {$3000.00}. I XXXX XXXX would like my name removed for the money Avant is claiming I owe. All fund that was deposited into my account was returned on the XX/XX/year> after multiple attempts to contact Avant. 

Details of the Fraud : Name of the business or individual involved ( if known ) : XXXX XXXX AVANT LLC Website or contact information ( if applicable ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX Date ( s ) of incident ( s ) : XX/XX/year> I have already contacted the company both through email and phone. No one is giving me proper information regarding this issue. I am concerned about the possibility of further identity theft or continued fraudulent use of my personal information and also concerned on how this will affect my Credit Score. 

Please advise on any further steps I should take and whether your agency can assist in pursuing this matter. 

Thank you for your attention to this matter. I would appreciate any guidance or support the Consumer Financial Protection Bureau ( CFPB ) can provide. Please feel free to contact me at XXXX or XXXX if you need any require additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation