Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NY

Complaint narrative:
I wrote a letter of verification and validation of debt to the XXXX XXXX and DID NOT RECEIVE WITHIN THE 30 ( THIRTY DAYS ), allowed time frame as per Section 15 USC Code 1692g. Hunter Warfield has CONTINUED to INCREASE the amount of debt on my credit profile and has NOT given me an explanation on why they continue to add ( what appears to be interest ), which is deemed " COLLECTION ACTIVITY '' as per Consumer Financial Protection Bureau ( CFPB ). 

" COLLECTION ACTIVITY '' of a debt Hunter Warfield failed to authenticate via a written dispute. In addition as per the Consumer Financial Protection Bureau ( CFPB ) " A DEBT COLLECTOR MUST STOP ALL COLLECTION ACTIVITY ON A DEBT IF YOU SEND THEM A WRITTEN DISPUTE ABOUT THE DEBT, GENERALLY WITHIN 30 DAYS AFTER YOUR INITIAL COMMUNICATION WITH THEM. Collection activities can RESTART, though, after the DEBT COLLECTOR SENDS VERIFICATION RESPONDING TO THE DISPUTE. '' Hunter Warfield practices are UNLAWFUL and ABUSIVE AS PER code section 1006.34 ( b ) ( 5 ) under the Fair Debt Collection Practice Act ( FDCPA ). The ( FDCPA ) which is meant to provide " consumer protection amendment, and establishing legal protection from ABUSIVE DEBT COLLECTION PRACTICES. '' Futhermore Hunter Warfield received my written request for verification and validation of the alleged debt on XX/XX/2023 and had 30 ( thirty ) days from XX/XX/2023 to reply to my request, with the end of the 30 ( thirty ) ( the last day to reply ) days being XX/XX/2023. An email was send and certified mail through the United States Post Office. The last time Hunter Warfield updated the alleged amount owed on my credit profile was on XX/XX/2023 in the amount of XXXX on XXXX, as evidence by the proof provided from XXXX credit report. 

XX/XX/2023 XXXX DATE REPORTED ACTIVITY BUREAU XX/XX/2023 Updated Account XXXX XXXX ( copy of the letter ) XXXX ( copy of credit profile ) Please note I was given the email for Hunter Warfield by the representative of Hunter Warfield along with the account number, as well as the letter was send via the United States Post Office Certified Mail to the address listed below.

Attached is a copy of my letter sent to Hunter Warfield with a time stamped date. 

XXXX XXXX XX/XX/2023 Hunter Warfield XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Re : XXXX, Dear Hunter Warfield : I am responding to your contact about a debt you are trying to collect. You contacted me by phone/mail, on XX/XX/2023 and identified the debt as XXXX XXXXXXXX XXXX. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 

Details about your authority to collect this debt. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 


I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. 


In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account. 

Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation