Consumer complaint received 2025-01-24 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: MD

Complaint narrative:
The credit card I am having issues with and filing this complaint on is Avant. 

On XX/XX/XXXX I paid off my Avant credit card account and placed the card in a drawer to not use. I have been very unsatisfied with this credit card company. For several of my purchases, my card was declined and I had to call to verify all of my charges. It was a hassle and I decided I was not going to use this card anymore. 

Starting in XXXX, I began receiving phone calls and text messages from Avant telling me my account had not received a payment. This is what made me realize there was a problem. I immediately got onto the Avant app and investigated why I would need to pay late charges. What I found shocked me! I found in XXXX there were XXXX charges. Both from XXXX ( XX/XX/XXXX ) for {$24.00} and XXXX XXXX ( XX/XX/XXXX ) for {$14.00}. Neither purchase was mine. As I continued to look at previous and subsequent months, I found that I had also been charged by XXXX ( XX/XX/XXXX ) {$63.00} and XXXX ( XX/XX/XXXX ) for {$96.00}. These purchases were not mine either. I also found that I was starting to be charged for late fees and other interest on these purchases that were not mine. 

I then contacted Avant by phone to report the fraud. I spoke to a representative who would only take information on one of the fraudulent charges and stated that when they called me back, they would get information on the others. I never heard back. I called Avant a week or so later and attempted file the fraud complaint. When I called their fraud number, I was immediately sent to an answering machine to leave a message. The message stated that I would be contacted in 24 - 48 hours. That did not happen. I was, over the course of this time of trying to contact Avant, contacted twice. The phone calls were received at a time that I was at work and could not answer or discuss the issues. When my time freed up and I could again discuss the charges, I called the phone number I was left and again got the voice mail. Over two to three months of trying to contact Avant I only received two phones regarding my fraudulent charges. Over this time I continued to accuse late fees and interest. 

On XX/XX/XXXX I received at letter from Avant stating that the one and only charge I was able to discuss early on ( the {$17.00} from XXXX ) was found to be authorized and valid, after their investigation. This is not accurate. I did not make these charges. 

By now, Avant has likely impacted my credit report and I am overly upset and angry with this credit card company. I made the decision to pay the {$360.00} to cover all of the fraudulent charges, fees and interest. I have had absolutely no support or help in mitigating this fraudulent situation. I was given no opportunity to provide any more information on my case of fraud, to include the remaining three charges. I, on my own, prior to contacting Avant, I stopped all charges on my card to prevent any other charges. Avant immediately reissued me a card, which I will not be activating and I will be closing this account as soon as my {$360.00} payment clears.

Avant is a terrible credit card company that is not available and does not provide any support to their card holders. I would be willing to sign an affidavit to prove the charges were not mine. But nothing was offered due to the lack of communication from Avant. I am highly skeptical that there was actually any investigation had been done with regards to compliant. I paid out of pocket to attempt to rectify my credit and not have these fraudulent charges continue to disrupt my attempt to rebuild my credit.

Company response to consumer: Closed with explanation