Debt collection -- Written notification about debt -- Complaint #19874212
Debt Collector Accused of Withholding Dispute Rights for Rental Debt
Complaint Overview
Complaint ID: 19874212
Company: Hw Holding, INC
Product: Debt collection
Sub-Product: Rental debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Illinois
ZIP Code: 61201
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-03-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The company's failure to provide proper written notice of the right to dispute a debt could violate consumer protection laws, potentially leading to penalties and requiring the company to cease collection activities.
Consumer Sentiment: negative
Topics: debt collection, rental debt, consumer rights
AI Analysis
CFPB complaint 19874212 was filed against HW Holding, Inc regarding Debt collection (Rental debt), specifically about "Written notification about debt". A consumer filed a complaint against HW Holding, Inc. for failing to provide written notification of their right to dispute a rental debt, despite the debt collection agency claiming the debt was paid. The complaint was received on February 28, 2026 from Illinois. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should always keep records of payments and communications, and if they believe their rights have been violated, they should file a complaint with the CFPB or seek legal counsel.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide specific disclosures to consumers, including the right to dispute the debt.
Regulatory Insight
This case highlights the importance of debt collectors adhering to strict notification requirements to ensure consumers are aware of their rights.
Resolution Likelihood
likely
State-Specific Consumer Protections
Illinois law may have additional consumer protections regarding debt collection practices.
Industry Comparison
This situation is common in the debt collection industry, where disputes over proper notification and validation of debts frequently arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19874212 about?
CFPB complaint 19874212 involves Debt collection (Rental debt). The consumer reported an issue with "Written notification about debt", specifically "Didn't receive notice of right to dispute". This complaint was filed against HW Holding, Inc on February 28, 2026.
Which company is complaint 19874212 filed against?
Complaint 19874212 was filed against HW Holding, Inc. You can view all complaints against this company on their profile page at /company/hw-holding-inc.
What was the company's response to complaint 19874212?
HW Holding, Inc responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19874212 filed?
Complaint 19874212 was received by the CFPB on February 28, 2026. It was sent to HW Holding, Inc on March 1, 2026.
What state was complaint 19874212 filed from?
Complaint 19874212 was filed from Illinois. You can view all complaints from this state at /state/IL.
Was the consumer satisfied with the resolution of complaint 19874212?
Dispute information is not available for complaint 19874212.
What product category is complaint 19874212 about?
Complaint 19874212 is categorized under "Debt collection", specifically "Rental debt". This is one of the product categories tracked by the CFPB.
How was complaint 19874212 submitted?
Complaint 19874212 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19874212?
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide specific disclosures to consumers, including the right to dispute the debt. This relates to a Debt collection complaint against HW Holding, Inc involving "Written notification about debt".
How likely is complaint 19874212 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19874212?
This complaint is rated as medium risk. The company's failure to provide proper written notice of the right to dispute a debt could violate consumer protection laws, potentially leading to penalties and requiring the company to cease collection activities.
What regulatory actions apply to complaint 19874212?
This case highlights the importance of debt collectors adhering to strict notification requirements to ensure consumers are aware of their rights. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 19874212?
Consumers should always keep records of payments and communications, and if they believe their rights have been violated, they should file a complaint with the CFPB or seek legal counsel.
Are there state-specific protections for complaint 19874212?
Illinois law may have additional consumer protections regarding debt collection practices. This complaint was filed from Illinois.
How does complaint 19874212 compare to industry norms?
This situation is common in the debt collection industry, where disputes over proper notification and validation of debts frequently arise.
What specific information must be included in the written notification of the right to dispute a debt?
The notification must clearly state the amount of the debt, the name of the creditor, and inform the consumer that they have 30 days to dispute the debt in writing.
What are the potential consequences for a debt collector failing to provide this notification?
Consequences can include civil liability for damages, statutory penalties, and attorney's fees, as well as potential regulatory action.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.