Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: WI

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WI XXXX ) and their debt collection agency, Hunter Warfield ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ), for violations of tenant protections and federal debt collection laws. 

I moved out of XXXX XXXX XXXX on XX/XX/year>. On XX/XX/XXXX, XXXX XXXX sent an invoice for {$240.00}. On XX/XX/XXXX, I sent a detailed, four-paragraph, itemized email disputing each charge. Although XXXX XXXX had previously provided an itemized list, they never provided a breakdown or justification of the individual charges, no receipts, and they never responded to my dispute. On XX/XX/XXXX, they simply resent the same invoice without comment. Then on XX/XX/XXXX, they raised the claimed balance to {$670.00}, without providing any updated documentation or explanation for the increase. This is both predatory and dishonest, to nearly triple the amount originally claimed. 

XXXX XXXX offers tenants free yearly wall and carpet repairs upon request. While I did not make a request, they attempted to charge me at move out for wear and tear that they offer free repair for every year. This is misleading and dishonest, effectively charging for a benefit that they offer at no cost. It reflects another layer of dishonest and unreasonable billing. 

XXXX XXXX also retained my full {$500.00} security deposit and still claimed I owed {$670.00} on top of that, for a total collection attempt of {$1100.00}. They never applied the deposit toward the balance. They then falsely stated that I had not responded to their invoice and referred the matter to collections. 

In addition to my email dispute, my co-signer ( my mother ) left multiple voicemail messages for XXXX XXXX XXXX managers/assistant managers, XXXX and XXXX, which were never returned. This further demonstrates the propertys unwillingness to address the issue in good faith. 

On XX/XX/XXXX at XXXXXXXX XXXX., I received a call from Hunter Warfield, the collection agency. I disputed the debt during that call, and later called back to request written validation and a dispute form. I have received no written documentation, no call back, and no formal debt validation letter.

Despite this, Hunter Warfield has continued calling my mother repeatedly even though I am the party who disputed the debt and requested validation, and she is not the primary tenant. This continued contact is harassing, especially considering that the debt remains legally unvalidated.

These actions violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which requires written validation of the debt within five days of first contact, and prohibits collection activity without proper notice. It may also violate state tenant protections and fair debt collection rules.

I request that this conduct be investigated, and that appropriate enforcement action be taken against both XXXX XXXX XXXX and Hunter Warfield for deceptive billing, failure to respond to a valid dispute, continued unauthorized contact, and unlawful collection practices.

Company response to consumer: Closed with non-monetary relief