Avant Holding Company, Inc.

I am submitting this complaint regarding a credit card account ending in XXXX, for which I am being held responsible for charges that I did not authorize. This is a case of fraud. I have repeatedly contacted the financial institution to report these unauthorized transactions, both by phone and in writing. Despite my continuous efforts, the company has failed to conduct a proper investigation and has not provided any valid evidence to support their claim that these charges are legitimate. I have clearly stated multiple times that : - I did not authorize these transactions- I do not recognize this debt - I have filed a police report regarding this fraud- I refuse to pay any fraudulent charges Additionally, the institution has continued to attempt collection and has allowed the account to go overlimit, adding fees and negatively impacting my financial standing.…

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I received my Avant statement ( # XXXX ) for XX/XX/2025, that stated my account due balance was {$380.00} due XX/XX/XXXX. On XX/XX/XXXX paid off the balance of {$380.00} that brought my balance to zero balance. Was surprised when i received my XX/XX/XXXX statement that stated my balance was {$4.00} for interest charged. I did not make any transaction on my account in XX/XX/2025 in-fact last transaction on my account was made on XX/XX/2025, no transaction made in XXXX and XXXX even till today as am filing this complaint. No transaction made for almost XXXX months, and balance paid off 15days prior to next statement that generates on XXXX. How can Avant generate interest from XXXX balance paid off 15days before closing cycle of the next billing. I tried to understand and got no explanation how {$4.00} was generated from which balance. I want to charge of total {$8.00} balance was told late fee was added to be removed from my account.…

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On XX/XX/XXXX i was contacted out by avant credit cards about fraudulent charges being made XXXX total XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX at XXXX XXXXXXXX XXXX XXXX And XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They originally was handling and conducting their investigation, back in XXXX i reached out to them seeing where we were during the investigation they had no information to give me and keep transferring XXXX between customer service and fraud department. Well XX/XX/XXXX i received and email stating that im responsible for the charges when i have time stamps proving my location where abouts ( at work XXXX XXXX XXXX ) during the time of the transaction concurred which is located hours away. I tried contacting them about the situation again and no one can help me and supervisor are not available .. it was charges made on a XXXX XXXX and i dont even own XXXX XXXX.

Subject : Formal Complaint Improper Annual Fee and Failure to Close Account ( Avant Credit Card ) I am submitting a formal complaint regarding improper billing practices involving my Avant credit card account. Prior to the assessment of a {$75.00} annual fee, I contacted Avant and clearly requested that my credit card account be closed. Despite my request, the account was not closed and the company subsequently assessed a {$75.00} annual fee. Charging an annual fee after a consumer has requested that the account be closed is improper and constitutes a billing error. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), consumers have the right to dispute billing errors, including charges that were improperly assessed. In this case, the account should have been closed at the time of my request and the annual fee should never have been charged. I attempted to resolve this matter directly with Avant, but the issue has not been corrected.…

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The entire account balance was paid in full to Avant in XX/XX/XXXX. I paid the remaining balance of {$200.00}. The account was paid, and left with an ending balance of {$0.00}. Two months later without my knowledge, Avant began to add monthly fees to the account accruing {$9.00} a month. The original contract that I agreed, had no monthly maintenance fees and I was not provided any notice about changes made to my contract. I contacted Avant in XX/XX/XXXX regarding the monthly fees and was advised the agreement was changed back in XX/XX/XXXX. So I decided to close the account back in XX/XX/XXXX, same day I became aware of the hidden fees, to avoid being charged additional hidden fees. Since then, Avant has continued to add monthly fees even though the account was closed back in XX/XX/XXXX and now there's a balance of {$27.00} being reported as late to the credit bureaus. My credit score has significantly decreased because of the inaccurate reporting.…

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Opened an AVANT card last year. Someone else was using it in a different state. Called the fraud department submitted a case. Received new card and never heard from them again. Now called AVANT again to see progress since nobody called- stayed on hold for XXXX minutes and a Lady with a heavy accent answered the call asked me my for my numbers I asked her whats your name couldnt understand her or who she was. The asked me for my credit card number and I said I dont have my full number and she hung up on me. Called AVANT again to tell them what happened they put in their notes what had happened Im trying to still get this resolved. They give me the number to the fraud department. I call the fraud department again Im on hold for XXXX minutes and the girl said the claim number I gave them does not support the fraud claim I am trying to get resolved and to call the receptionist back.…

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I am filing this formal complaint regarding Avants unacceptable handling of my account, the hold placed on my funds, and your repeated failure to allow me to speak with a supervisor. I contacted Avant because I have an emergent financial situation and needed assistance with funds being held on my account. The money has already cleared my bank account, yet Avant continues to withhold access to those funds. I have not been given a satisfactory explanation for why my money is still being held after it has already cleared my financial institution. This has caused unnecessary hardship, stress, and inconvenience. I have also called multiple times requesting to speak with a supervisor and have been denied each time. Most recently, I called again today and was told by XXXX that no supervisor was available, yet again. This repeated refusal to provide escalation is unacceptable. A financial company should not hold a consumers funds while also blocking access to management.…

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I opened this account in XXXX XXXX was charged a fee in XX/XX/XXXX of $ XXXXI was told it would be a year before any fees would be charged and it was not {$75.00}. I only only had a credit limit of {$300.00}, so when the fee was charged it reduced it to {$220.00}. They billed it and cause this account to be overdrawn and reported it to the credit bureau as being late and over the limit, which was a lie and it was their fault.My score dropped XXXX points.I closed the account. I made a {$25.00} payment, My balance was {$280.00}. Well on XX/XX/XXXX I checked my balance and it had increased by $ XXXXI called the they had no explanation.They also promised to reverse the {$75.00}, which they fail to do.

I am submitting this complaint regarding debt collection practices and inaccurate credit reporting related to an alleged debt originally opened with Avant LLC. XXXX XXXX XXXX is currently attempting to collect this debt and has reported the account on my credit report. However, XXXX XXXX XXXX has represented itself as the creditor in a manner that is misleading and fails to clearly disclose that it is a debt buyer and not the original lender. This account is also currently the subject of a lawsuit filed against me. Despite this, I have not been provided proper validation of the debt, including documentation showing the full chain of assignment from Avant LLC to XXXX XXXX XXXX, the original signed loan agreement, or a complete and accurate payment history supporting the balance claimed. I dispute the accuracy of the balance, the ownership of the debt, and the manner in which the account is being reported to the credit bureaus.…

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I make a payment to my account in XX/XX/year> Avant would hold my payment when it is cleared in my bank account only to over charge me. Avant did it again on XX/XX/year>, I made a payment and they withhold the payment say its pending while it is taken out of my checking account only to overcharge me enriching themselves.

Had used my advantage card in XX/XX/XXXX and didnt calculate the fees and interest rate. Tried to consolidate card balance to XXXX XXXX but XXXX credit cards can not be consolidated. I am an older, single women on social security and on a very limited budget. I asked the Avant XXXX supervisor on XX/XX/XXXX if my payment date could be changed to the XXXX of each month instead of the XXXX to avoid late fees because my XXXX XXXX comes in XXXX the XXXX. The XXXX supervisor told me my request was not possible and I should make XXXX payments each month to avoid late fees. I am now in the negative after XXXX payment and this will continue and escalate moving forward. I destroyed card and closed account buy will continue to make payments. Last XXXX digit of card XXXX.

My Avant credit card was stolen and fraudulent transactions occurred on the account. Avant investigated the fraud and confirmed the charges were fraudulent, crediting {$190.00} back to the account. However, while the fraud investigation was ongoing, late fees totaling {$91.00} were added to my account. These fees are directly related to the fraud incident and the time it took to resolve the dispute. Avant is refusing to waive these fees even though the account was compromised due to theft and fraud. I believe it is unfair and unreasonable to charge late fees related to an account that was under fraud investigation. I am requesting that Avant remove the {$91.00} in late fees and correct any negative credit reporting associated with this matter.

{$680.00} XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/year> Avant/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : Account Number : * XXXX To Whom It May Concern : This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), that you are hereby instructed to CEASE AND DESIST from any and all communication with me regarding the above-referenced account. Unde r 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to : Advise that further collection efforts are being terminated ; Notify the consumer that certain specified remedies may be invoked ; or Notify the consumer that the debt collector intends to invoke a specified remedy.…

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I have filed a complaint prior! This is the complaint number XXXX How is it that you closed the case when they were adding interest and fees all throughout the dispute process and those add up to well over $ XXXX {$500.00}! How is Avant entitled to compensation for multiple fraudulent transactions on my account that they took XXXX months to settle?!!! This isnt right and I wont be paying them for stealing from me! I owe them {$2800.00} and not a dime more! I want that account closed and compensation for ruining my credit score with their false claims!

I requested the associated tradeline with the company to be deleted due to a result of my identity being stolen. The company performed an investigation and confirmed my claim of identity theft and sent documentation detailing the investigation results and subsequent deletion of the tradeline. It has now been two months and the tradeline has yet to be deleted.

I am filing a complaint against Avant , LLC for unauthorized withdrawals and poor record-keeping practices. On XX/XX/year>, I contacted Avant ( via phone call ) to resolve a duplicate charge of XXXX, request a refund, and revoke auto-pay for my bank account. While Avant sent an email confirming the auto-pay cancellation, they completely failed to provide any documentation, email, or app update regarding the status of my refund request. > The refund briefly appeared in my account on XX/XX/year>. However, today, XX/XX/year>, Avant processed another unauthorized withdrawal for the same amount, completely ignoring the written auto-pay revocation they previously confirmed. This unauthorized transaction caused my bank account to overdraft in the amount of {$36.00}. Avant 's failure to properly document my refund request and their blatant disregard for a confirmed auto-pay cancellation has caused me direct financial harm.

I paid the full outstanding balance on my Avant account ending in XXXX in the amount of {$1900.00} and submitted proof of payment and confirmation receipts. Despite satisfying the balance in full, Avant failed to properly update my account to reflect a XXXX balance, Paid in Full status, and closure in good standing. The company also failed to provide a formal receipt and satisfaction/termination letter confirming that no further balance is owed. After receiving full payment and documentation, Avant continued to report inaccurate and misleading information to consumer reporting agencies, including reporting late payments and negative account history that are no longer accurate. I made multiple good-faith attempts to resolve this matter directly with Avant by requesting proper documentation, account closure, and correction of inaccurate reporting. These requests were ignored, delayed, or inadequately addressed.…

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Upon reviewing my account I noticed a charge I did not recognize. I called Avant at XXXX, XXXX, XXXX and each agent refused to dispute the unauthorized charges. Hung up everytime and this has been over XXXX hours and Avant will not correct this. Agents are taught to hang up and refuse to assist or dispute fraud! What am I to do? XXXX XXXX sent a message XX/XX/XXXX, XXXX I was asking for a credit card dispute the agent kept me on the phone with an indistinct voice she was not understandable. When Asked to speak with someone else that I could understand she refused and hung up next agent the same What XXXX XXXX kind of agents are you hiring? Incompetent ones. Please have a Credit Card manager call me to dispute and file a formal complaint against Avant for refusing to abide by US banking regulations! This is a violation of the REG E. and So many more!!!

I applied for Unsecured Personal loan on XX/XX/XXXX. Received Email confirmation that loan was approved and {$750.00} is charged as service charge on {$8000.00} loan and {$7200.00} will be deposited to My Bank account. I logged into the Avant My Dashboard and conform approved loan under my Name with balance owing {$8000.00}. I never received the funds that supposed to be Deposited to my account. Contacted the company on XX/XX/XXXX and informed the issue of not receiving Funds. I was assured the issue is being Escalated and will be resolved. I made loan payment just to confirm that Loan is legit and Bank account on file is correct. The loan payment was credited to loan account with no issues confirming the company has loan under my name with correct Bank account. I have been calling and Emailing Avant Customer support and provide all Bank statement requested to prove no funds were received and all I get as respond is Escalated.…

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In XXXX of XXXX a collection account from XXXX XXXX appeared on my credit report for {$810.00}. Prior to this date I did not have any collection accounts on my credit report. I have XXXX XXXX and check my credit report weekly. I called XXXX funding to inquire as to the collection account and they said it was a credit card with Avant in my name opened in XXXX of XXXX. I informed XXXX Funding that this is not my account and that I have not had a credit card with Avant nor has Avant or XXXX been on my credit report prior to XXXX of XXXX. I asked XXXX for the address on this account which they would not provide neither would they provide the phone number attached to this account. I never received any statement or correspondence from Avant or XXXX XXXX prior to this encounter. I asked XXXX XXXX to send me validation of this account of which they declined. I have disputed this account with all three credit bureaus, which has not had any change in my credit report.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Communication Validation Request / Avant Account Name : XXXX XXXX XXXX XXXX ( Last XXXX ) : XXXX XXXX : XX/XX/year> Address : XXXX XXXX XXXX XXXX, XXXX, RI XXXX To Whom It May Concern : I am writing regarding the above-referenced account. I dispute this alleged debt and request validation of the claim. Pursuant to 15 U.S.C. 1692c of the Fair Debt Collection Practices Act, you are hereby notified to cease and desist all communication with me regarding this matter, except as permitted by law to : 1. Provide written verification and validation of the alleged debt, and 2. Notify me of any specific legal action you intend to take, if applicable. You are not to contact me by telephone, email, text message, or through any third parties, including family members, employers, or acquaintances. All permitted communication must be in writing and sent to the mailing address listed above.…

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On or about XX/XX/year>, I paid back my credit card Avant and intended to have the account closed with everything caught up however they friviously charged me {$75.00} annual fee although my intention was to pay off debt and cancel this card! Now Avant is refusing to refund the {$75.00}! And cancel card in good standing. Shame on this scam of a credit card company charging customers a annual fee plus interest that is highway robbery!

On XXXX XX/XX/scrub>, 2026, I attempted to use my Avant credit card at a restaurant. I could not use it, receiving " unauthorized '' as the explanation. On Sunday, XX/XX/scrub> 2026, I tried to use the Avant card to make an online purchase. I could not do so, again with " unauthorized '' as the reason. On XXXX XX/XX/scrub>, 2026, I contacted Avant customer service XXXX to resolve this matter. I was told that I needed a " termination letter '' to remove the " unauthorized '' designation from my account. I asked for more information, butthe customer service did not provide a clear explanation. I was told to get a termination letter from the XXXX to remove the hold. I did not know what a XXXX was, and was told it was a debt management company. I have never contacted or engaged a debt management company. I asked for more information ; customer service had little information other than " XXXX XXXX XXXX '' and an email address of " XXXXXXXX XXXX.…

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on XX/XX/XXXX while in the hospital following an auto accident i kept getting messages on my cell phone but couldn't get to them while in the XXXX the next day once back home from hospital i read my messages i had gotten several alerts from various credit card companies asking if i had used my cards in California to make any purchase i replied no and i also called in to the companies on the next business day XX/XX/XXXX and Disputed the charges on my cards i was also advised to check all my other credit cards at that point i noticed that several cards had been used on XX/XX/XXXX while i was in the hospital i did not received any alerts from Avant credit at all but i called them and told them about the fraud alerts that i had received from other credit card and that my Avant card had some Fraud charges on it as well so they took the report.…

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I am filing this complaint because AvantXXXX is reporting late payments on my credit reports that are the result of inaccurate instructions provided by their own representative, not from any failure on my part to pay. Avant placed me on a payment plan to close my account with reduced monthly payments. The representative explained how I should submit my payments under this plan, and I followed those instructions exactly. I later learned that the instructions given to me were completely wrong. Because I followed the incorrect process they told me to use, my payments were not applied correctly, and Avant began reporting late payments to the credit bureaus. These late payments are a direct result of Avants employee providing me with misinformation. I acted in good faith and complied fully with the directions I was given.…

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I sent in this information show that it was charge off and i need it remove. here are the information for the 3 credit bureau XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$760.00} {$0.00} {$760.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$760.00} {$760.00} {$760.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account disputed Creditor Type Personal Loan Companies Credit Card - Finance Company Personal Loan Companies Account Status Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute…

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Avant has got to be the worst company I've ever dealt with. Customer service is abhorrent and the practices and procedures they stipulate for their agents are ridiculous and impact us as a consumer. On XX/XX/31, I spoke with a customer agent about my concern with making payments. At this time the agent got me on a payment plan which would reduce my payment amount for XXXX months. There was a full payment due in 3 days from the call, which agent was clear would not go through due to the payment agreement we had entered and she would turn off auto pay. On monday XXXX I got an alert from my bank about being negative. I check and low and behold a full payment was taken out, which I was expressly told wuld not happen. This caused other payments aready scheduled to be returned, and took the little money I had for food for the week. I called in on Monday XXXX. I spoke with an agent who provided the generic script that the autopayment cojldnt of been cancelled and all eas fine and dandy.…

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I opened a credit card with Avant but never received statements electronically or otherwise. I have documented at least a dozen times in the last XXXX or XXXX months to inform them that their app was not working and I can't get my information. Multiple times, I requested access to my account information and only once, I was allowed to do so, but only after setting up a new password which is not sustainable. I began paying blindly over the phone. Each time I called them, I told them that I couldn't access my account information. Tonight, I tried again. Even after multiple attempts to ask for a manager, it never happened. I had to listen to my phone call being put on speaker phone with a group of girls giggling in the background while they listened in. I have made many efforts to try to work this out with total frustration and lots of disrespect. I requested an audit of my account as I am sure they are charging me right and left without my knowledge with all kinds of punitive charges.…

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CFPB Complaint / Dispute Letter Avant / XXXX Consumer : XXXX XXXX XXXX Account : AvantCard ( XXXX ) Summary of Key Points XXXX. Avant received my written cease-and-desist and dispute on XX/XX/XXXX, yet continued communications and credit reporting until XX/XX/XXXX. A cease-and-desist is effective upon receipt under FDCPA 805 / 15 U.S.C. 1692c. Their delay demonstrates noncompliance. Two. Avants internal characterization of my cease-and-desist as a communication consent update misrepresents the statutory nature of such notice. XXXX XXXX XXXX XXXX is not conditional and can not be ignored pending additional information. Three. After receiving indirect disputes via e-OSCAR on XX/XX/XXXX, Avant continued reporting the account without demonstrating a reasonable reinvestigation, as required under FCRA 1681s-2 ( b ). Their XX/XX/XXXX letter provides only conclusory statements and a generic Cardmember Agreement, failing to verify account ownership or authorization. Four.…

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Account Type : Personal Loan Debt XXXX Funding Amount : {$13000.00} I am writing to formally dispute this account, as I was a victim of identity theft and did not authorize or open it. The activity associated with this account is fraudulent and does not belong to me. I respectfully request that this account be investigated and permanently removed from my credit history in accordance with applicable consumer protection laws.