Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding improper debt collection practices involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, acting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Landlord ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and a third-party debt collection agency, Hunter Warfield . Background My landlord initiated a claim to recover alleged move-out damages through XXXX XXXX. I formally disputed the claim and provided supporting documentation demonstrating that the alleged damages were not valid. After reviewing the evidence, XXXX agreed to a reduced settlement in the amount of {$550.00}, which I accepted. I complied fully with the terms of the settlement agreement by making timely monthly payments and have since satisfied the balance in full. This matter should be considered resolved. Summary of Issue Despite my compliance and full satisfaction of the settlement, XXXX XXXX XXXX improperly referred my account to a third-party debt collection agency. As a result, a new collection account has been opened in my name for the same debt that has already been reviewed, settled, and paid. I am now being subjected to collection efforts for a debt that is already resolved, creating duplicate and conflicting collection activity. Nature of the Violation This conduct constitutes an improper attempt at duplicate debt collection and appears to violate the Fair Debt Collection Practices Act, including but not limited to : Attempting to collect a debt that is not owed or has already been satisfied Misrepresenting the character, amount, or legal status of a debt Engaging in unfair or deceptive collection practices Additionally, this raises concerns of unjust enrichment, as the creditor is attempting to recover funds beyond the agreed and satisfied settlement. Actions Taken I have remained current on all settlement payments and have fully satisfied the agreed balance I have contacted XXXX XXXX XXXX XXXX requesting intervention I have formally disputed the debt with the collection agency Requested Resolution I respectfully request the following actions : Immediate investigation into the actions of all parties involved Removal and recall of the collection account Written confirmation that the debt has been satisfied in full and remains in good standing Immediate cessation of all collection efforts related to this matter Correction and prevention of any negative credit reporting associated with this account This situation has caused unnecessary stress and concern, as I have acted in good faith to resolve this matter responsibly and in full compliance with the agreed settlement. I have supporting documentation available, including settlement records, payment history, and the collection notice, and can provide these upon request. Thank you for your attention to this matter. I respectfully request prompt resolution and protection of my rights as a consumer. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation