Consumer complaint received 2021-10-03
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hunter Warfield, collecting for XXXX XXXX : In XX/XX/XXXX my son and I were evicted from our home, primarily due to an interruption in child support payments, medical expenses, an increase in my rent and car repairs, which ultimately resulted in me having to replace my vehicle. The late fees for renting a home with XXXX XXXX XXXX were astronomical, making it extremely difficult to ever catch up. Adding {$450.00} in late fees and requiring the payment of attorney 's fees even when the rent is paid prior to any eviction notification is contrary to a mutually benefitting business deal. Although I tried very hard to stay in the home it just was not possible. After leaving the home I sent an email to the property management company asking where to make payment arrangements. I did not get a response initially and I sent a second email, in which I was told to send payments to corporate. No specific person or department, just corporate. I contacted corporate and asked for the direct address and person to send my payments to and I was told someone would contact me. I never received any communication from XXXX XXXX XXXX. I did not close my post office box until XX/XX/XXXX and my email address has not changed. I was laid off in XXXX of XXXX and did not regain employment until XX/XX/XXXX. 

I have not received ANY communication from Hunter Warfield about this debt. XXXX has this debt listed as being reported XX/XX/XXXX, for {$5200.00} and showing a balance of {$5300.00}. XXXX is showing that it was assigned XX/XX/XXXX and reported XX/XX/XXXX. As I stated, I did not close my post office box until XX/XX/XXXX. XXXX XXXX used my post office box as my mailing address. Furthermore, my telephone number and email has not changed. 

I reached out to Hunter Warfield in XXXX of XXXX when I had to explain the collection account during a background check for a job. I attempted to get on a payment plan and was told by the Hunter Warfield representative that the only way to set up a plan was to provide my bankcard. I explained that I did not want to have my bankcard on file, I wanted to send payments, via bill pay through my credit union and I was told no I could not. I should not have to give out my bankcard information.

Hunter Warfield did not make a serious effort to communicate with me. When they are hired to collect a debt they to not function responsibly. Because a debt can be devastating to individuals having negative items on their credit, collection agencies should have to show " good faith efforts '' that they exhausted attempts to locate the consumer. Also, Hunter Warfield is just being a bully and abusing consumers by mandating how the payments are made. They should not care how the payments are made, as long as the payment agreement is maintained. Due to Hunter Warfield not allowing me to set up a payment plan I did not get further consideration for the job. Given the job would have been an increase in salary the actions on the part of Hunter Warfield were detrimental in more ways than one. 

It is simply unjust to get XXXX  over by a property firm to the point of eviction and then get screwed over again by the debt collector. Not everyone is attempting to avoid their 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