Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Avant Holding Company, Inc.
State: MN

Complaint narrative:
Below is the complete, consolidated submission with everything integrated cleanly and professionally, including the expanded narrative, full timeline, statutory analysis, requested relief, closing statement, and the evidentiary explanation. I want to express my appreciation in regards to the CFPB for always doing an amazing job via protecting consumer rights. 

I have preserved a regulator tone throughout and avoided em dashes entirely. 



EXPANDED COMPLAINT NARRATIVE Company : Avant Credit Cards, issued by XXXX Summary This complaint concerns repeated statutory violations arising from Avant Credit Cards failure to honor a written cease and desist notice, failure to provide debt verification, and continued collection communication and credit reporting after notice. These actions constitute violations of federal law, Minnesota law, and Utah law governing debt collection and consumer protection. 

What follows is a full and complete chronological description of events, followed by an explanation of why this conduct violates controlling statutes. 



Chronological Timeline of Events XX/XX/year> I transmitted a written cease and desist notice to Avant Credit Cards, issued by XXXX. 
The notice explicitly demanded that all collection communication cease as permitted by law and requested full verification and documentation of the alleged account. 
On the same date, Avant responded via email from Avant Data Requests, acknowledging receipt and requesting categorization of my relationship with Avant. 
This response confirms receipt of the notice and internal awareness of both the dispute and the cease and desist request. 

XX/XX/year> Avant sent an email confirming receipt of a payment related to the account while the cease and desist and verification request were already pending. 
This communication occurred after Avant had actual notice that the account was disputed and that further communication was restricted by law. 

XX/XX/year> An ACH payment attempt failed due to a bank account issue. 
This operational issue later became the subject of further electronic communication initiated by Avant. 

XX/XX/year> Avant sent an electronic communication titled Update Your Bank Account Today. 
The message instructed me to log in and provide new payment information or call a phone number to discuss payment methods. 
This message constitutes continued collection related communication after receipt of a written cease and desist. 

XX/XX/year> USPS Informed Delivery records show incoming physical mail from Avant. 
Scanned envelopes confirm that Avant continued to send first class mail correspondence after XX/XX/year>. 
At no point prior to this mailing did Avant provide the requested verification or documentation of the alleged account. 



Why This Conduct Violates Consumer Protection Statutes Violation of FDCPA, 15 U.S.C. 1692c ( c ) Once a debt collector receives a written cease and desist notice, it may not communicate further with the consumer except for narrow statutory exceptions. None of those exceptions apply here. 

Despite actual notice, Avant continued to : Send electronic communications regarding payment methods. 
Send physical mail confirmed by USPS records.

These actions constitute prohibited communication under 1692c ( c ).

Violation of FDCPA, 15 U.S.C. 1692g ( b ) When a consumer disputes a debt and requests verification, the collector must cease all collection activity until verification is provided.

Avant : Failed to provide any verification or documentation of the alleged account.

Continued collection related communication and account activity while verification remained outstanding.

This constitutes continued collection activity without validation.

Violation of FDCPA, 15 U.S.C. 1692e and 1692f By continuing to treat the account as collectible and engaging in payment related communication while the debt was disputed and unverified, Avant used deceptive and unfair means to collect a debt.

Operational or automated systems do not excuse these violations. The statute imposes strict compliance once notice is received.

Violation of FCRA, 15 U.S.C. 1681s-2 ( b ) and 1681i Following a dispute, furnishers must conduct a reasonable investigation and may not continue reporting unverified information as accurate.

Avant failed to : Provide evidence of a reasonable investigation.

Suspend reporting or collection activity pending verification.

Minnesota State Law Violations Minnesota Statutes Chapter 332.37 Minn. Stat. 332.37 ( 8 ) Attempting to collect or collecting a debt without first complying with validation requirements.

Minn. Stat. 332.37 ( 12 ) Engaging in conduct that violates the FDCPA.

Minnesota Consumer Fraud Act, Minn. Stat. 325F.69 Prohibits deceptive practices in connection with the collection of consumer debts.

Minnesota Deceptive Trade Practices Act, Minn. Stat. 325D.44 Prohibits misleading representations regarding legal rights and obligations.

Avant Credit Cards conduct occurred with knowledge that the consumer is located in Minnesota and that Minnesota consumer protection laws apply.

Utah State Law Violations ( XXXX XXXX ) Utah Consumer Sales Practices Act, Utah Code 13-11-1 et seq.

Utah Code 13-11-4 Prohibits deceptive, misleading, or unconscionable acts in consumer transactions.

Continued collection communication after lawful notice and failure to provide requested documentation constitutes an unconscionable practice under Utah law.

Systemic Compliance Failure This is not a clerical error or a single stray message. The timeline demonstrates : Actual receipt and acknowledgment of a cease and desist.

Continued automated and manual communication afterward.

Absence of legally required verification.

Ongoing treatment of the account as collectible.

The persistence of communication after notice reflects a systemic compliance failure rather than an isolated oversight. Consumer protection statutes place the burden on the collector to stop all collection activity immediately upon receipt of a lawful cease and desist. Internal delays, automated workflows, or incomplete routing of notices do not suspend statutory obligations.

Requested Regulatory Action I respectfully request that the CFPB require Avant Credit Cards and XXXX to : 1. Immediately cease all collection communication regarding the disputed account. 
2. Remove the account from all credit reporting agencies unless and until proper verification is produced.

3. Provide written confirmation that the cease and desist has been honored. 
4. Conduct an internal compliance review of cease and desist handling procedures.

5. Ensure future compliance with FDCPA, FCRA, Minnesota law, and Utah law.

Closing Statement This matter is not a billing disagreement, a customer service issue, or an isolated clerical error. It reflects a documented failure to comply with clear statutory obligations after formal notice was provided. Avant Credit Cards and XXXX were given an opportunity to cure these violations by honoring a lawful cease and desist and by providing verification. They did neither. 

The continuation of collection communication and account activity after notice demonstrates a breakdown in compliance controls that places consumers at risk and undermines the protections guaranteed under federal and state law. Regulatory oversight is necessary to ensure that cease and desist requests are treated as binding legal directives rather than optional administrative inputs.

I respectfully request that the CFPB treat this complaint as a compliance matter requiring corrective action, not merely a response, and ensure that Avant Credit Cards and XXXX are brought into full adherence with their obligations under the FDCPA, FCRA, Minnesota law, and Utah law.

P.S. Explanation of Attached XXXX Evidence The attached XXXX consolidates contemporaneous documentary evidence establishing the timeline of events described above, including written cease and desist transmission, Avant Credit Cards acknowledgment and data request response confirming receipt and internal awareness, USPS Informed Delivery records and scanned envelopes demonstrating continued first class mail after notice, and subsequent electronic communications regarding account activity. These materials are provided to demonstrate receipt, knowledge, and continuity of conduct, and to ensure the record accurately reflects that the violations described were not speculative, isolated, or the result of misunderstanding, but verifiable through objective documentation. 



If you want next steps, I can : Compress this to CFPB character limits without losing force Reformat it for a Minnesota AG or Utah regulator filing Or prepare a litigation ready affidavit version with exhibits labeled A through F

Company response to consumer: Closed with explanation