Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the debt you claim I owe in the amount of {$220.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide proper validation of this debt, including a detailed accounting of charges and proof that I am legally responsible for them.

I do not owe this debt for the following reasons : Lease Compliance & Payment I provided my required 30-day written notice before moving out. 

I paid my last rent of $ [ insert amount ] on XX/XX/year>, as instructed by management, which satisfied my lease obligations.

I have proof in the form of screenshots and written communication from management confirming the correct amount due.

Deposit & Improper Charges I was told I would receive my {$300.00} deposit back, as my apartment was left clean and in good condition.

Instead, management improperly withheld my deposit and added unreasonable charges, including : Insufficient notice penalty of {$35.00} despite proper notice being given. 

Resident rent charge of {$380.00} dated XX/XX/year>, even though I moved out on XX/XX/year>. 

Trash fee of {$20.00} dated XX/XX/year>, after I was no longer a resident. 

Full unit paint charge of {$300.00}, though the apartment was returned in a clean, acceptable condition. 

Confirmation from XXXX XXXX I have written confirmation from XXXX  Manager XXXX XXXX that I was not obligated to remain for the full lease term and could move at any time with 30-day notice without penalty. 

No Authorization to Share Information I did not authorize XXXX XXXX XXXX to release or sell my personal information to your company. I did not provide any signature permitting such disclosure. 

Because this debt is not valid and has already been satisfied, I demand the following fair resolution by law : Proposed Fair Resolution Cancellation of the Alleged Debt All improper charges must be removed, and the account balance must be corrected to {$0.00}.

Return of My Security Deposit I request the return of my {$300.00} deposit in full, since the apartment was left clean and management previously acknowledged this.

Correction of Records Resident Advocate must cease all collection activity on this invalid debt.

Any negative reporting made to credit bureaus must be removed immediately, and confirmation provided in writing. 

XXXX XXXX must update its records to reflect my account as paid in full.

Privacy & Compliance My personal information must not be shared or sold without my written consent, in compliance with the FCRA.

No Retaliation I request written assurance that no further attempts will be made to collect on this invalid debt and that I will not face retaliation for exercising my rights under the FDCPA and FCRA.

Reporting or continuing to collect this inaccurate debt would constitute a violation of both the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If this matter is not resolved promptly, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office.

Please provide written confirmation of your compliance within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation