Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Background : On XX/XX/XXXX I sent 4 credit companies requests via certified mail to close my accounts along with 100 % pay-off bank cashier 's checks. As of today only one has completed the task properly and completely. XXXX XXXX promptly paid off my account, closed it, and deleted it from internet access knowing that professional hackers would be able to access it and reactivate it. Avant is one of the 3 companies that are still harassing me about closing my account. They have left my account active so that myself and hackers can log in and see that there is {$1000.00} available. If the account was actually closed, access would be deleted along with the account just as XXXX XXXX has done. Email correspondence with Avant : Re : XXXX  Closure Request Inbox Avant Credit Card XXXX ( 1 hour ago ) to me XXXX replied XX/XX/XXXX, XXXX Dear XXXX , Based on our record, your Avant Credit Card account ending in XXXX was closed last XX/XX/XXXX. 

Please note, if there is an outstanding balance on your account, you will still receive monthly statements and are responsible for the Total Minimum Payment Due until your account balance is paid off.

Log into your account to access your account information, view statements, and review transactions.

Should you have any further questions or concerns, we might be better able to assist you if you give us a call at XXXX and any of our representatives will be happy to assist you.

Avant branded credit products are issued by XXXX. 
Phone : XXXX To ensure delivery of important updates from Avant, please take a moment to add XXXX to your email address book. 
Copyright XXXX Avant , LLC | All rights reserved | View our Privacy Policy. 
XXXX XXXX replied XX/XX/XXXX, XXXX Hello XXXX , and everyone, since my account is surely still accessible by me and the plethora of hackers that are out there, then the account is not actually closed. There is really no reason for me to take up anyone 's time at Avant discussing this on the phone. We have already had enough phone conversation when I told you to close the account. If my account is actually closed, it should be gone, and therefore inaccessible to anyone just like my closed account at XXXX XXXX, which is truly closed and gone.

Again, 1. How is the account closed when you show {$1000.00} available, 2.

What is Avant 's definition of 'Closed ', 3. Why is my account still accessible if it is closed, 4. I have already done what is required by the Government, plus doing some unnecessary tasks you wanted as well. NOW I WANT TO KNOW WHEN MY ACCOUNT WILL BE COMPLETELY FRICKIN ' CLOSED AND GONE!!! 

XXXX XXXX XXXX Proud Veteran Ph : XXXX XXXX XXXX replied XX/XX/XXXX, XXXX Dear XXXX , Please contact us at your earliest convenience. You can reach us at XXXX and any of our representatives will be happy to assist you.

Avant branded credit products are issued by XXXX. 
Phone : XXXX To ensure delivery of important updates from Avant, please take a moment to add XXXX to your email address book. 
Copyright XXXX Avant , LLC | All rights reserved | View our Privacy Policy. 
XXXX XXXX sent a message XX/XX/XXXX, XXXX Your web site home page shows that there is {$1000.00} available for use on my closed account. Why is this? Since my account is closed, if it is really closed, then it should be gone and inaccessible by me or any other hacker that decides to attempt access into my account. Perhaps this is what you are hoping for so that you can illegally say that my account is still in use. Of the four accounts I closed at the same time, only XXXX XXXX has completed the task correctly by deleting the account making it inaccessible for all!! Why is my account still available for myself as well as hackers with {$1000.00} credit ready to go? 
XXXX XXXX XXXX Proud Veteran Ph : XXXX XXXX This e-mail is only intended for the person ( s ) it addresses and may contain confidential information. Any unauthorized review, use, disclosure, or distribution is prohibited. If you received this e-mail in error, please notify the sender by reply e-mail and then delete this message and any attachments from your system.

Thank you for your cooperation. 

{ # XXXX # } Avant Credit Card ( XXXX ) THERE IS " XXXX '' BALANCE ON MY XXXX ' ACCOUNT RIGHT NOW, JUST AS THERE HAS BEEN. SINCE YOU FOOLS REFUSE TO TERMINATE ACCESS TO MY ACCOUNT, I AM CONTACTING THE CONSUMER FINANCE XXXX XXXX. 

XXXX XXXX XXXX Proud Veteran Ph : XXXX XXXX Further proof will be provided if necessary. Thanks very much.

Company response to consumer: Closed with explanation