Debt collection -- False statements or representation -- Complaint #16403347
Complaint Overview
Complaint ID: 16403347
Company: Hw Holding, INC
Product: Debt collection
Sub-Product: Rental debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: North Carolina
ZIP Code: 27587
Date Received: 2025-10-06T12:00:00-05:00
Date Sent to Company: 2025-10-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Debt Validation Request Account # XXXX To Hunter Warfield ( Debt Collectors ) I am disputing the debt you claim I owe for the above account. I request full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). According to official documentation from the original creditor, XXXX XXXX XXXX, my final bill dated XX/XX/XXXX shows a balance of only {$32.00}. This statement was issued and signed by the XXXX XXXX XXXX of XXXX XXXX XXXX. In contrast, your letter dated XX/XX/XXXX claims I owe {$840.00} in principal + XXXX % interest which as of XX/XX/XXXX has = {$850.00}, and offers a settlement of {$510.00}. These amounts do not match the verified statement from the original creditor. Because of this discrepancy, I demand that you provide : XXXX. Written proof that I am legally responsible for this debt. XXXX. A full itemized statement from XXXX XXXX XXXX showing how the balance you claim ( {$850.00} ) was calculated. XXXX. Documentation confirming the true amount owed. Be advised that your actions appear to be in violation of : FDCPA : 15 U.S.C. 1692e ( 2 ) ( A ) Misrepresenting the amount of debt. 15 U.S.C. 1692e ( 10 ) Using deceptive means to collect. 15 U.S.C. 1692g ( b ) Continuing collection without proper validation. FCRA : 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate information to credit bureaus. 15 U.S.C. 1681s-2 ( b ) Failing to correct or delete inaccurate information after a dispute. Since I already hold proof from XXXX XXXX XXXX, sent from the Assistant Community XXXX themselves ; I require that you provide proper validation within XXXX hours to XXXX business days of receiving this notice. If you can not, you must immediately request deletion of this account from all credit bureaus. If you fail to comply, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), attaching : The final bill from XXXX XXXX XXXX showing {$32.00} owed. Your demand letter for {$850.00}. Proof of misrepresentation of the debt amount. If you agree to delete this account from all credit bureaus, you must provide written confirmation by both email and mail before I submit any payment. All communication must be in writing.
Frequently Asked Questions
What is Complaint #16403347 about?
Complaint #16403347 was filed against Hw Holding, INC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-10-06T12:00:00-05:00.
How did Hw Holding, INC respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 (Debt collection) and describe your issue in detail.
Can I see other complaints against Hw Holding, INC?
Yes, visit the Hw Holding, INC company profile at readthecomplaint.com/company/hw-holding-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.