Consumer complaint received 2021-04-22
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The second item listed as follows : Original Creditor : private and confidential location Amount in Question : {$3000.00} ; however they are reporting {$4900.00} Date Opened on XX/XX/2020 Account Reported on Credit Reports is under Hunter Warfield Inc Length of Item In Dispute : approximately 3 months The issue is that this account is inaccurate as the CARES ACT released funds to XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, FL and federal funds were utilized to cover the Landlords due to the COVID-19 pandemic. Attached please find copy of Complaint submitted to the FBI and Consumer Financial Protection Bureau for further investigation. In addition, under the CARES ACT attached, NO NEGATIVE INFORMATION SHOULD BE REPORTED AS THIS IS AN ONGING INVESTIGATION. 

I am requesting that the item be removed immediately as it has caused duress and other unwarranted financial and economic hardship on top of the COVID-19. 

Exhibit B, copies of phone calls made to me by this company are voluminous, if you require additional data, this can be readily available through phone company. 

Under Federal Trade Commission, Section 813, Civil Liability, under ( 2 ) ( A ), it states as follows : ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. In this case, they made over 10 phone calls that equals to {$10000.00} so far this debt is not even mine.

The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. Some examples of harassment are : Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone. Obscene or profane language In addition, this company falsely and mislead me into thinking that they were offering me a job as my background is in Law and under the Federal Trade Commission, Section 807, number 3 states as follows : 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

False or misleading representation, they not only made it seem like they were giving me a job and in fact, they acted like a law firm extending me a position and the mere fact that during this time I was unemployed and did not have a job and the misleading lawyer told me that he was interviewing for a position that was available at his law firm and I was so nice and sweet and shared information, then the guy acted as the lawyer and he was not a lawyer. 

The following deceptive acts under the Fair Debt Collection Practices Act : Under this Act ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. Such collectors may not, for example, contact debtors at odd hours, subject them to repeated telephone calls, threaten legal action that is not actually contemplated, or reveal to other persons the existence of debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation