Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
On or about XX/XX/year> I opened my Avant credit card app and discovered 3 fraudulent credit on my account. The first was dated XX/XX/year> in the amount of {$15.00}. The second was posted on XX/XX/year> in the amount of {$10.00}. The third was posted on XX/XX/year> in the amount of {$12.00}. All 3 were shown as being paid to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 

On or about the third week of XXXX I had taken my car in to XXXX XXXX XXXX for body work following a collision. Upon completion of the repairs in mid XXXX I pick the car up and paid my {$500.00} deductible using my XXXX XXXX  Debit card linked to my personal savings account. At no time was my Avant credit card ever used at XXXX XXXX XXXX for any purpose whatsoever. The entire time in question the credit card never left my personal possession and was never used by anyone else. The card does not have a secondary authorized user. 

I immediately went to XXXX XXXX XXXX and spoke face to face with with a woman from their accounting department to see if she had any explanation for the charges. She checked and assured me that they had not authorized any charges on my Avant card and confirmed that the only charge they made was to my XXXX debit card in the amount of {$500.00} for the insurance deductible. 

Next I contacted Avant and asked for the fraud department. I reported the three disputed items and closed the account for that card and requested a new card. I received the new card approximately 10 days later. 

About a week or so later, to my shock they informed the that they had completed their investigation and determined all three charges were valid. The rep, XXXX, said they determined I must have used the card at a vending machine at XXXX XXXX. I asked what would I have got out of a vending machine on 3 separate occasions in the amounts of {$10.00}, {$12.00} and {$15.00}. Of course I had not used the card in a vending machine. I never even saw a vending machines in the area of the XXXX XXXX building I was in. He said the matter was settled and I must accept the decision. 

I called back today and spoke to XXXX. He said the same thing XXXX said. I asked how they came to this conclusion and what proof he could send me. He said he couldnt send me anything. I asked for a supervisor and was told he couldnt forward me to a supervisor. I asked for a number for someone at their corporate headquarters in XXXX, and was again denied. He said anyone else i spoke with would give me the same answer. I asked if I could appeal. He said No. 

I know this is only {$31.00} but I was treated like a liar and a thief. I believe I have a right to see what proof they have so I could better challenge the decision. I was denied everything I asked for. Please help. Im an honest man on a fixed income and {$31.00} makes a difference to me. 


PS : I note that on page XXXX you request a card number. Since I was told to cancel the card that had the disputed charges I no longer have that card. I believe the last XXXX digits were XXXX. 

I will put my replacement card number on page XXXX. Perhaps Avant will recognize the new card number and be able to use it to get the info you will need for the account ending in XXXX.

Company response to consumer: Closed with explanation