Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

After viewing a copy of my report, I noticed a collection account placed on my credit report from Hunter Warfield on XX/XX/XXXX in the amount of {$550.00}. First and foremost, that debt collector Hunter Warfield is not licensed in the state of Florida to collect on this debt. Secondly, Hunter Warfield violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Hunter Warfield? I have never heard of them, have no written contract with them and have never received any benefits from them, yetHunter Warfield has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$550.00} .However, I did reach out to XXXX and I spoke with XXXX XXXX Property Manager and I spoke with her in regards to this debt. I originally applied for an apartment with XXXX and he application fee was {$120.00} and a REFUNDABLE ADMIN FEE for {$350.00} in your application was denied or canceled. I originally gotten approved, signed my lease, transferred my lights over and everything I was set to move in, however, due to a medical emergency I was in the hospital for my XXXX and apparently they XXXX XXXXXXXX wasn't able to receive payment and they tried to contact me on XX/XX/XXXX via phone and through email. When I saw the email and By the time I left the hospital it was too late to reach out to the XXXX XXXX. So within XXXX they XXXX and XXXX decided to cancel my application which now voided the whole lease and application overall, so which now meant I no longer owe them {$550.00} because they decided to cancel my lease. Ive reached out to the XXXX XXXX on XX/XX/XXXX and spoke with XXXX the property manager and she advise me to bring in a Cashiers Check in the amount of {$550.00} and that she will contact her higher manager and see if they can fix the cancellation since I manage to show proof of my emergency and brought in the cashiers check. In about a day or two after I gotten no response so I went to XXXX and XXXX returned my check and advise me that her higher manager said there was nothing that can be done, so I took the check and left XXXX. Now, XXXX is stating that I owe them {$550.00} it states in their contract the ADMIN FEE is refundable if your application is denied or canceled. However, I contacted Hunter Warfield and I made a payment with them in full in the amount of {$440.00} and they agreed to pay to delete. I reached out to XXXX XXXX on XX/XX/XXXX to let them know that this debt has been paid in full and is requesting this debt be removed from all three credit reporting agencies as well as my refund of {$320.00} for the admin fee but the XXXX denied and once again told me she would have to call her higher manager and looking this and contact me back, as of XX/XX/XXXX I never received a call yet. I am asking that Hunter Warfield to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statute of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand Hunter Warfield immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand Hunter Warfield agrees to have no contact with me in any form regarding this alleged debt now or in the future. I demand that Hunter Warfield agrees to remove my personal information from all accounts in its companies database. Lastly, I demand that Hunter Warfield and or XXXX XXXX give me a refund in the amount of {$550.00} since they XXXX decided to cancel my application overall vs denying me. Had I been denied I would agree to receive a refund in the amount of {$320.00} for the ADMIN FEE That States in the contract that this fee is refundable.