Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: MN

Complaint narrative:
Summary of Issue I was approved for a line of credit with Avant XXXX on XX/XX/year>. Despite multiple communications and confirmations that the card had been shipped, I never received it. I have since received numerous contradictory responses from Avant representatives, repeated activation reminder emails, and a new account reported to my credit file for an account I have never been able to access. I am highly concerned about the mishandling of my personal and financial information, as well as the inaccurate reporting to credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX, I received a welcome email from Avant after being approved for a line of credit. The email stated that I should receive the card within XXXX business days. 

On XX/XX/XXXX, I received an activation reminder email stating that I should have already received my card. I replied to the email as instructed, explaining that I had not received the card. I also sent a follow-up email that same day, again confirming that the card had not arrived and asking for instructions on how to resolve the issue. I included my full mailing address in that message. 

On XX/XX/XXXX, I called XXXX customer service line. The representative I spoke with informed me that it had been XXXX business days since the card was mailed and that I would need to wait until XXXX business days had passed before contacting them again. However, on XX/XX/XXXX, I had received an email response stating that the card had already been shipped and that I should allow XXXX business days for delivery. When I called again on XX/XX/XXXX, another representative told me the card had been mailed on XX/XX/XXXX. This inconsistency was concerning, as it directly conflicted with what I had previously been toldthat the card had been mailed nearly XXXX weeks earlier. 

On XX/XX/XXXX, I received another activation reminder email stating that I should have received the card XXXX weeks prior. I responded on XX/XX/XXXX to report that I still had not received it. On XX/XX/XXXX, I received a reply requesting that I provide my residential address again and submit additional documentation to verify it ( such as a government-issued ID, bank or credit card statement, or utility bill ) if it did not match Avants records XXXX 

On XX/XX/XXXX, I responded as follows : I will not be sending any documentation. Every time I call and speak with someone, I receive conflicting information, which is becoming suspicious. I have received multiple emails stating that the card should have been delivered by now, and that if it has not, I should contact you. However, when I contact customer service, I am told I must wait XXXX business days before doing so. On XX/XX/XXXX, I was told the card had been mailed XXXX business days earlier, yet the following day, another representative said it was mailed on XX/XX/XXXX. I am deeply concerned about the security of my personal information. If I do not receive the card within the next XXXX business days, I will be contacting the Consumer Financial Protection Bureau. 

On XX/XX/XXXX, I received a response asking me to call customer service so that a representative could assist me. On XX/XX/XXXX, I received another activation reminder stating that it had been 30 days since I should have received the card. On XX/XX/XXXX, I received yet another activation reminder, despite still not having received the card. 

On XX/XX/XXXX, I replied again, stating : As I have stated before, you have not sent me the card, and I have filed a report against you. 

I received a response that same day stating that my account was under review and that I would receive an update once the review was complete. 

Meanwhile, on XX/XX/XXXX, I received a notification that Avant XXXX XXXX XXXX a new account to my credit report. On XX/XX/XXXX, I filed a dispute with XXXX  regarding this account, as I have never received the card. Despite this, the account remains on my credit report as of today. 

I am submitting this statement to formally document my ongoing issues with Avant and my concerns about potential mishandling of my personal information and credit reporting.

Company response to consumer: Closed with explanation