Consumer complaint received 2018-07-02
Company: HW Holding, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In approximately XX/XX/XXXX, I moved into an apartment at XXXX XXXX XXXX XXXX XXXX in XXXX, FL. There were two prior tenants leasing the apartment. One of the tenants was moving out of the apartment. I agreed to sign the lease as a new co-leaser. The other co-leaser was then taken off of the lease. I was going through a divorce at the time and I was looking to move quick. I did not inspect the apartment before moving in. When I moved in, there was pre-existing damage and maintenance issues with the apartment. In early XX/XX/XXXX, my co-leaser lost his job. He was unable to pay his half of the rent and utilities as a result. I was unable to pay my co-leaser 's half of the rent and utilities for him and the leasing office would not accept partial payments for rent. Unfortunately, the end result was an eviction. After the eviction, I received an invoice indicating that the final amount owed by me and the co-leasor was approximately {$5000.00}. I informed the leasing office that I agreed to pay the past due rent, past due utilities, and the eviction fee. I offered to make payment arrangements for the amount that I owed. The leasing office refused to cooperate. They would not remove any of the charges accredited to me. The additional charges should have been accredited to my co-leaser and the prior co-leaser. The leasing office sold the debt to a third party collections agency called Hunter Warfield out of XXXX, FL. Hunter Warfield unlawfully began charging interest on the debt. Hunter Warfield did not disclose the interest to me up front as required. I never agreed to interest. Furthermore the debt was never associated with a loan, credit card, bank account, or other financial product. The original credit did not assess interest to the debt in question either. Furthermore, I sent an electronic written dispute to Hunter Warfield pertaining to the incorrect balance through their company web site. I received confirmation that Hunter Warfield received the dispute. Hunter Warfield never followed up with me pertaining to their investigative findings as required by the Fair Debt Collections Practices Act. I attempted to make a partial payment online and via automated phone. Both methods would not allow me to submit a partial payment. I called Hunter Warfield after no success. I spoke with two different collections agents via phone at Hunter Warfield. I explained my debt balance dispute to both agents and made a good faith payment attempt with both agents for a partial payments towards the balance. Both agents demanded the total amount due and informed me that they do not have to accept any partial payments. In formed the agents that I am trying to pay what I owe and I do not have the total amount of the debt in my bank account so I am trying to pay what I can. Hunter Warfield, despite my good faith efforts has reported that I am in default on the debt to the credit bureaus. I am only in default because Hunter Warfield will not cooperate and allow me to make any payments towards the debt. After being unable resolve anything with Hunter Warfield, I sent another follow up dispute via e-mail to the leasing office at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have received no response to date from XXXX XXXX XXXX XXXX XXXX pertaining to the written dispute that I sent them. Neither the Original Creditor or the Collections Agency are  communicating, cooperating, investigating, or doing anything to resolve the debt with me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation