Debt collection -- Attempts to collect debt not owed -- Complaint #7091484
Complaint Overview
Complaint ID: 7091484
Company: Hf Holdings
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: New York
ZIP Code: 11212
Date Received: 2023-06-08T12:00:00-05:00
Date Sent to Company: 2023-09-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I utilized XXXX for a short term rental operation that is now shuttered. Their customer service had not been stellar from the start. My last tenant vacated the premises prematurely and demanded a refund of her monthly rent. This charge of {$2300.00} was reversed, leaving my business account in the negative. I was obligated to get the account back to {$0.00}. This implies that the debt was paid and settled with my financial institution ( XXXX XXXX ). I then closed this business account. The tenant also incurred a reversal charge on the XXXX platform as the payment was likely stopped by her financial institution. Conclusively, the amount totaled {$2300.00} and was credited to the tenant on my end. However, XXXX claims that I owe them, this amount. This means that I would be paying a penalty of {$2300.00} twice ( to the tenant and to XXXX ). Furthermore, this reversal of the {$2300.00} occurred in XXXX or XXXX of XXXX. I was contacted for the first time concerning a balance owed by the tenant in XXXX of XXXX. Yet, it was not made clear the repercussions or implications of this debt going unpaid or who owed the debt. I assumed that the client did as I responded to the XXXX correspondence and got no reply. I was contacted about the matter again in XXXX or XXXX of XXXX. I was not aware that there was outstanding debt that I was responsible for. I received no correspondence from XXXX XX/XX/XXXX through XX/XX/XXXX. Still, when contacted by XXXX this XXXX, the payment had been due in less than 30 days. I communicated with a representative via email outlining my concerns and confusions, yet the debt was given to HF Holdings, a debt collection agency. I was laid off on XXXX of XXXX and Im a XXXX XXXX XXXX garnering a XXXX XXXX. I provided documentation outlining my employment status to XXXX. XXXX only notified me that the debt was now in collections when I asked. Therefore, I reached out to HF Holdings myself in being proactive. XXXX has been poor and representatives of HF Holdings ( particularly XXXX XXXX have been unempathetic and condescending in refusing to actively listen to my concerns as debt collectors notoriously are. Although HF Holdings was able to coordinate a settlement with XXXX on XX/XX/XXXX, the lesser amount ( {$1900.00} ) would need to be paid by XX/XX/XXXX. XXXX unable to make any payments and do not believe that I was notified about this debt correctly or in a timely manner. Also in reiterating, the tenant received her {$2300.00} back from my financial institution with the help of her financial institution initially in XXXX.
Frequently Asked Questions
What is Complaint #7091484 about?
Complaint #7091484 was filed against Hf Holdings regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-06-08T12:00:00-05:00.
How did Hf Holdings respond to this complaint?
The company responded with: "Closed with explanation". 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 Hf Holdings?
Yes, visit the Hf Holdings company profile at readthecomplaint.com/company/hf-holdings 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.