Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Braviant Holdings, LLC
State: AR

Complaint narrative:
Consumer Name : XXXX XXXX Complaint Date : XX/XX/year> Subject : Obstruction of Settlement Process and Unfair Debt Collection Tactics Companies Involved : Creditor : BALANCE CREDIT Debt Settlement Company : XXXX XXXX XXXX Third Party Collector : XXXX XXXX XXXX XXXX COMPLAINT NARRATIVE : I am currently enrolled in a legally recognized debt resolution program through XXXX XXXX XXXX and have been actively working with them to resolve outstanding debtsincluding one owed to Balance Credit. As part of the program, XXXX XXXX XXXX has repeatedly attempted to contact Balance Credit over the past several months to negotiate a good-faith settlement on my behalf. 

However, Balance Credit has refused to engage or respond to these legitimate negotiation efforts. Instead of cooperating with the process, they appear to have willfully circumvented my authorized representative and transferred or assigned the account to a third-party entity, XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX has since begun contacting me directly, in violation of my debt settlement representation and likely in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits contact with a represented consumer when the collector has knowledge of that representation. 

Furthermore, XXXX XXXX XXXX has sent multiple notices that include language clearly designed to intimidate, including statements threatening legal action. These tactics appear to be calculated to pressure and coerce payment outside the protections of my debt settlement arrangement, and possibly outside regulatory compliance with the Fair Debt Collection Practices Act, the Dodd-Frank Act, and other relevant consumer protection statutes. 

ISSUES OF CONCERN : Failure to Negotiate in Good Faith : Balance Credit is knowingly refusing to negotiate with my authorized representative, frustrating my right to seek legal resolution of my debt through recognized and lawful means. 

Third-Party Harassment and Misrepresentation : XXXX XXXX XXXX XXXX is using threatening language that suggests imminent legal action without substantiating those claims or verifying the debt. This may constitute a deceptive or unfair practice under the FDCPA and an abusive tactic under the XXXX Act. 

Violation of Representation Protections : Balance Credit and XXXX XXXX XXXX are knowingly contacting me directly despite my enrollment with a licensed debt settlement firm, which should place a clear restriction on such contact once representation is known. 

ACTION REQUESTED : I am formally requesting the Consumer Financial Protection Bureau to investigate the practices of Balance Credit and XXXX XXXX XXXX XXXX regarding their handling of my account. Specifically, I ask the CFPB to determine whether : Balance Credit is acting in good faith in regard to debt settlement negotiations. 

XXXX XXXX XXXX XXXX is in compliance with applicable federal laws governing debt collection communications. 

My consumer rights under the FDCPA and XXXX XXXX have been violated. 

I also request that any future contact regarding this account be directed exclusively to XXXX XXXX XXXX, as they are my authorized agent in this matter.

Company response to consumer: Closed with explanation