Credit card or prepaid card -- Getting a credit card -- Complaint #6904709
Complaint Overview
Complaint ID: 6904709
Company: Avant Holding Company, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: Arizona
ZIP Code: 85044
Date Received: 2023-04-28T12:00:00-05:00
Date Sent to Company: 2023-04-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2023 i applied for a credit card. With a soft credit check i was approved. Once i was approved i authorized a hard check. I have an alert for fraud due to past activity on my name. AVANT Credit card companny then cane back and said due to the alert on my file they were unable to verify my identity and i was denied due to my email address. They never tried contacting me for more information. They never attempted to rectify this in any way and there was no reason for the denial other then a fraud alert. Denial of a credit account based on an alert placed by me to prevent fraud is a violation of the fair credit act. I advised them of this... i also advised if they cant veeify my identity, then who is to say XXXX XXXX initiated the Hard or Soft Credit check at all. Who is to say XXXX XXXX even applied for the card. The credit card waa denied since they said they couldnt verify my identity. They say they wont remove the hard credit check because they know " XXXX XXXX '' is the one who initiated the credit card request. However their denial states i was denied since they could not verify that " XXXX XXXX '' applied. Your denial must match the reason for the hard credit check. You cant have an approval and denial for the same thing.
Frequently Asked Questions
What is Complaint #6904709 about?
Complaint #6904709 was filed against Avant Holding Company, INC. regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2023-04-28T12:00:00-05:00.
How did Avant Holding Company, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Avant Holding Company, INC.?
Yes, visit the Avant Holding Company, INC. company profile at readthecomplaint.com/company/avant-holding-company-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.