Request to CLOSE ACCOUNT and give payoff balance in XX/XX/XXXX. Advised was refinancing home to clear debts especially this one at 65 % APR. AVANT of Louisiana, LLC refused to cooperate with me or XXXX XXXX XXXX that was handling refinance of home and cutting payoff checks. Clearly told both of us would not close account nor put a payoff amount in writing. 
Applied for loan for medical emergency XX/XX/XXXX for {$2600.00}. because of the urgency..failed to read fine print that showed 65 % APR which meant at least {$130.00} a month was added to balance even if I paid more than monthly amt due on or before due date. This is the only Creditor that was not paid and only creditor that REFUSED TO CLOSE ACCOUNT ON DATE OF CONTACT REQUEST. My pain and desperation for emergency dentalsurgery led me to now having to deal with a financial burden that keeps increasing in leaps and bounds monthly, a company that refuses a request to close the account to stop the 65 % APR, refuses to allow me to talk to management. Seems I 'll be trying to pay this one debt forever and keep bad credit reports.