Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Immediate Resolution Required Ongoing Account Issues ( Complaint ID No. XXXX ) Dear Avant Complaint Department, This is my final attempt to resolve the ongoing issues Ive raised both through your support channels and my original CFPB complaint ( ID No. XXXX ) before escalating with a complete documentation package to the CFPB, XXXX, and other regulatory bodies. 

Reiterating My Initial Complaint : Since opening this account, Ive experienced repeated payment processing failures, incorrect returned payment designations, fees and interest charged on full payments, and complete customer service breakdowns all while never having received my physical card. 

Despite making multiple calls, being disconnected while asking for supervisors, and submitting valid address updates, Avant has still failed to resolve the situation. Ive been charged unfairly, given no clear answers, and denied basic access to the account you approved me for. 

Here 's What Has Happened Backed by My Records : I have never received a physical Avant card, despite multiple documented requests. 
The last authorized transaction on my account occurred in early XXXX. 
Since then, Ive made full payments on time, yet Ive been charged : {$50.00} in returned payment and late fees Over {$22.00} in interest Based on XXXX return codes which imply insufficient funds. 
However, I have bank statements proving that each time a payment was marked as returned, I had more than enough available funds in my account. In several instances, no payment attempt was even made. 
Im happy to share these statements with Avant or any regulatory body as further proof that these charges are entirely unjustified.

Avant has never provided evidence of any ACH debit attempt or an explanation beyond its in the cardholder agreement.

I was disconnected multiple times when calling for help and never received a follow-up. One rep simply repeated its in the cardholder agreement instead of helping.

A late-night call from a supervisor resulted in an hour-long delay to process a simple address update, and I was asked to resend documentation I had already provided earlier that same day. 
Ive been told a replacement card was sent. Today is XX/XX/XXXX, and I still have not received anything no card, no tracking info, no update. 
The Current Status : My Avant account shows a {$0.00} balance, {$500.00} in available credit, and no payment due. 
Autopay is enabled, and I have fulfilled every obligation as a customer.

Yet Im left with no physical card and no normal access to the account.

What I Am Requesting : Immediate reversal of the {$50.00} in fees and {$22.00} in interest charged unfairly. 
Confirmation that my card has been reissued and is en route, including a tracking number. 
A written response from a qualified manager, not a copy-paste response, acknowledging the handling issues and confirming resolution.

This situation has dragged on long enough. I have detailed documentation including call records, full bank statements, and screenshots and Im fully prepared to submit these as part of a renewed CFPB complaint and any state-level consumer filings necessary. 

If I do not receive a proper response within 5 business days, I will escalate. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation