Consumer complaint received 2022-06-15
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter Warfield , Inc. is a third-party collection agency headquartered in XXXX, Florida. Since XXXX, Hunter Warfield , Inc. has provided effective collection services for its clients in the multifamily, commercial, and funeral industries. Hunter Warfield does not purchase or own debt ; it collects on accounts referred by its clients. Hunter Warfield and its people are committed to ensuring that the consumer is dealt with in a professional, caring manner. Complaint # XXXX has been reviewed. We have also reviewed our collection notes and records. The consumer states that Hunter Warfield has reported a debt under the consumers name to the credit bureaus. The consumer also requests for validation of the debt and a signed contract with Hunter Warfield. Subsequently the consumer request to cease of all collection efforts and the removal of the debt from her credit file. XXXX XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX, listing the principal amount due of {$3400.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. Our records indicate that validation of the debt was previously provided. We are enclosing for the consumers records copies of the account statement and the lease ( personal information has been redacted ). A review of this information may help the consumer examine the nature of the charges. If the consumer does not recognize the debt as his and would like Hunter Warfield to investigate based on fraud, Hunter Warfield requests that the following information be provided as soon as possible : 1. Copy of police report filed along with the Identity theft affidavit duly notarized, or other confirmation of the reporting of the fraud. 2. Copy of identification. Acceptable forms of identification include : Social Security Card Valid drivers license/identification card/passport XXXX. Any additional documentation supporting your claim of fraud. The requested information can be mailed to : Hunter Warfield, Inc. XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax- XXXX XXXX The account has been placed under a hold status while awaiting information from the consumer. Credit reporting has been halted as well. In compliance with the consumers request, Hunter Warfield has noted the account to cease communication on XX/XX/XXXX. Hunter Warfield will honor the consumers wish for no further contact. If the consumer has additional questions, he may contact XXXX XXXX of XXXXunter Warfield 's Consumer Resolution Department at XXXX or via telephone ATTACHMENTS XXXX XXXX redacted.pdf ( XXXX MB ) XXXX final account statement redacted.pdf ( XXXX KB ) Again this is an alleged debt so please provide me with the proof I owed Hunter Warfield, Inc any alleged debt please show me where I have had an account with Hunter Warfield, Inc, a signed contract to pay you any fees or debts. Note this is not asking for any validation of debt in which you can not verify any debt or alleged debt I've never had with your company. This is asking if Hunter Warfield, Inc is in compliance with the FDCPA and a request of all documents requested below and in my previous complain in which you have not submitted to me. 

I also request the following documentations listed bellow to be certified and sent with your response. 

Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. 

( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX Am XXXX sect. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.

Notice To Agent notice to principal

Company response to consumer: Closed with explanation