Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
This account with Avant was open at the early part of this year. I used the card to make a purchase of {$1000.00} down payment with XXXX XXXX shortly after that payment was made that down payment was made to the account a few weeks later the amount was put back for somehow I dont know if they tried to do a dispute. They tried to see if it was fraudulent whatever I dont know what they did, but there was a dispute open on this account without my permission and then all of a sudden, now my account is held up. I cant use my car. All this other internal stuff is happening and is not even being transparent to the consumer, which is myself now my account is over the limit a whole XXXX dollars, {$1100.00} and some change OK add due to no fault of myself. I dont know where all these fees are coming from. I dont know why my account is in the status. I dont know why and how I got here. All I know is when I receive my credit card in the mail I used it immediately because I had already had plans to use it for a down payment on a car and ever since that its been a nightmare I was prepared once I receive my statement to make two payments in my account wouldve been paid off but no there. This has been a merry-go-round going from XXXX till now back-and-forth. Theres been escalation emails. Theres been complaints. Theres been escalation emails. Theyve been complaints and nothing is happening. Theres nothing happening in the XXXX for me as the consumer for my account. I need someone to help me because now Im in the middle of something that I dont know how I got here. This company is doing something fraudulently internally and now I am in the middle of it. I dont know how I got here. All I know is that I use my car for a down payment for my car and You know Im waiting for my statement. No statement was received. You know they have all these provisional credits on my account how they got there I dont know. I did not ask for any provisional credit. I did not ask for any dispute. I did not ask for anything. The company did all of this on their own so therefore I dont know what to do here I gave them a payment of {$350.00}. I used about maybe {$400.00} OK and thats it OK the statements I do have because I took pictures of them and According to their statements, the balance is inaccurate so and Ive tried to resolve this with them. Its not getting resolved so now Im having to open another report because I am still not getting any resolution for my account with this company and I need financial assistance. Ive given them money and the money that Ive given them is not being correctly applied to my account theyre talking about. I have received two provisional credits over {$1000.00}. I did not ask for any of these provisional credits. This is everything that theyve done themselves so I dont know I can elaborate on it. I dont even know how I got here because I did not authorize any disputes on my account at all whatsoever so this is something that that happened internally with this company and and this has been happening since XXXX and its still not getting resolved Here we are in XXXX and this is still not resolved and now theyre having the glory of reporting me to the credit bureaus because of this matter, I did not cause any of these problems. This is something that they need to honor. They need to take ownership of and they need to straighten out this account for the consumer, which is myself because this is not normal behaviour Credit Card companies doesnt conduct this kind of behaviour OK And I need my account to be back in good status. I need some form of refund. I need some form of compensation. I need some form of XXXX  for my account please and thank you.

Company response to consumer: Closed with explanation