Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CO

Complaint narrative:
XX/XX/XXXX - I moved out of an apartment complex named XX/XX/XXXX - XXXX  charged me $230.04 which included proof for only XXXX worth of the charges. It also noted that if not paid by XX/XX/XXXX, the debt would be transferred to Resident AdvocateXX/XX/XXXX - Without any further contact from XXXX or Resident Advocate, I emailed XXXX stating that I would not be paying without any documentationXX/XX/XXXX- XXXX  replied to my email with documentation that falsely assessed charges to me in ways that specifically do not align with my original signed lease agreement from initially renting there. They also stated that they were unsure as to why the inspection charges were never sent to me but that the report was completed on XXXX XXXX.XX/XX/XXXX- Unprompted, I received an email from Hunter Warfield stating I owed them a debt of XXXX even though I never had any communication from either XXXX or Resident Advocate that I would now have to work with Hunter Warfield. I proceeded to respond to the XXXX  email from XXXX stating how the amount they were charging me was incorrect and I would not consider paying that but would pay if it was reduced to the XXXX that was correctly assessed. This email included documentation and also referenced the lease that they were not abiding by. I also responded to the Hunter Warfield email stating that this was an incorrect amount charged to me but also that I had never received communication from anyone that I should now pay Hunter Warfield so I did not want to send them money just because they emailed and asked for it.XX/XX/XXXX - XXXX responded to me later in the afternoon without acknowledging anything about the amount owed, but instead stating that all further communication should be directed to Resident Advocate. I proceeded to forward the email chain to Resident Advocate, including all documentation initially sent to XXXXXX/XX/XXXX - Hunter Warfield sent a follow up email/letter in the evening the confirmed that they had received a notice of dispute regarding my account and asked me to provide additional detail including reason for dispute with explanation or any documentation I may have to support the dispute.XX/XX/XXXX - Resident Advocate responded to me by stating that my account became delinquent onXX/XX/XXXX and was transferred to a collection agency named Hunter Warfield on XX/XX/XXXX - I replied to Resident Advocate\'s email (while also including Hunter Warfield in the reply) by asking how I could be considered delinquent onXX/XX/XXXXwhen I had never fully received my charges until XX/XX/XXXX, or at a minimum had never even been made aware of the fact that there were charges until XX/XX/XXXX. Hunter Warfield now being included on the email chain also means that they were now also sent the documentation for my proof on this not being incorrect charges.XX/XX/XXXX - Having received no response of my dispute from either Hunter Warfield or Resident Advocate, I emailed them again. To this day, Resident Advocate still has never responded about their improper handling of dates.\XX/XX/XXXX - Hunter Warfield finally responded, stating: "Our office is in receipt of your email of dispute and request for verification. However, our records indicate we have previously provided you with validation of the debt. Under the FDCPA, there is no duty to provide verification multiple times or to provide verification after the 30-day validation period under 1692g has expired. As we have previously fulfilled our duty to provide you with verification, we do not plan to respond to any additional requests at this time.XX/XX/XXXX (today) - Since that was a lie and I never received any verification or validation of the debt from Hunter Warfield after any of my dispute attempts--as shown in my dates and descriptions above--I replied to their email stating such and also that I would be filing a report with the CFPB.XXXX Notably, I have attached documentation for all communication that happened in this scenario and is shown in my above account EXCEPT for the lease agreement titled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX" because the file was too large to upload. I will happily provide the file a different way if requested.'

Company response to consumer: Closed with non-monetary relief