Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HW Holding, Inc
State: VA

Complaint narrative:
Collection Company : Hunter Warfield Inc Phone : ( XXXX ) XXXX Address : HUNTER WARFIELD INC XXXX XXXX XXXX XXXX XXXX, FL XXXX Complaint : I am requesting a formal escalation to the FTC to include a full investigation into the unlawful and deceptive business practices of Hunter Warfield Inc, its executive management team, in house collection team and any affiliated collection service companies. Currently I ( and members of my family are being attacked regarding a debt tied to my SSN ) via harassment by Hunter Warfield Inc regarding a debt they currently hold under my SSN. 

Each of my creditors, on every account that is going unpaid due to my inability to pay approximately {$480000.00} dollars in debts to various creditors and the IRS. Each creditor was notified in writing that I will be filing for bankruptcy as soon as I have enough money to secure an affordable attorney and cover my filing fees. For each company I submitted and verified that they received my request for a cease and desist for no contact - with additional directions to require them to mark the account in a manner that if the debt was outsourced for collection that they would see the account notated for no contact as well. 



Hunter Warfield Inc has willfully engaged in a complete disregard for my request despite them receiving a SECONDARY cease and desist request with notice of intent to file bankruptcy delivered to : XXXX XXXX XXXX XXXX XXXX, FL XXXX Their company consistently operates outside of federal protections regarding debt collection and following their unsuccessful attempts to bully and harass me into paying a debt that I can not pay they have begun their persistent aggravated contact attempts to my family members and roommates including an onslaught of daily phone calls and postal letters made out to my father ( same name ), who lives in a different time zone and they have called him leaving voicemails between the hours of XXXX and XXXX XXXX  his local time. I have secured his phone records validating the time of contact and all the numbers can be traced back to Hunter Warfield Inc. Previously when I was contacted around XXXX XXXX  eastern standard time personally by this collection company ; a man who IDENTIFIED HIMSELF AS HUNTER WARFIELD, when I asked if that was his actual genuine individual name ( not to be confused with an entity ), he told me yes my personal name is HUNTER WARFIELD and when I asked what his title was, he told me that he was THE ATTORNEY assigned to handling my legal case and they had already filed and won a default judgement since I didnt return his previous phone calls. The male caller NEVER ASKED WHO I WAS OR VERIFIED MY IDENTITY. He did not preface the call with any kind of recording notice and did not explain that he was a debt collector for a debt collection company. When I questioned the validity of his name, title and requested a docket reference or case number and court, the man who identified himself as a LAWYER NAMED HUNTER WARFIELD, began to SCREAM THE MOST OBSCENE CURSE WORDS and went on a PROFANITY LACED TIRADE berating me and my debt. I was in complete shock and stricken with fear. I could not bring myself to believe what was happening. He ended the call by yelling that he was going to have me arrested because I was a broke deadbeat who couldnt pay to keep myself out of jail and there was nothing that I could do about it. As I took a breath to respond he shouted another vulgar term at me and slammed the phone down in my face. I am absolutely afraid for my life and safety knowing that this company teaches and supports these kinds of malicious attacks. If this is how they coach and develop their collection agents to lie, verbally abuse and mistreat me, I know with certainty they are treating my family members, roommates, and associates the same way when they call looking to bully demean and harass for information. 



Hunter Warfield Inc is further advised for immediate notice in this escalation complaint addressed to the CFPB and FTC to cease and desist any and all communications with me, my employers ( past, present, future ) and to discontinue their harassment, intimidation, and contact with my relatives/roommates/associates. As well as to black list my social security number and bar any accounts past, present, or future from any kind of contact. 



I feel I am under extreme duress from their relentless refusal to cease their harassment and communications to 3rd parties disclosing my debt. Hunter Warfield Inc had received the separate notice advising that I am having to file a bankruptcy and Im getting together my filing fees. I dont have the funds at this time and although there are several legal firms who have offered to take up my harassment case against Hunter Warfield Inc in a class action claim at no cost upfront ; my bankruptcy filing is a different issue it takes time to get together the funding for that with my family providing assistance when they can. There is no confusion regarding my clear communication to Hunter Warfield Inc. In order to fraudulently obtain a default court judgement in their favor, they are consciously falsifying their contact records and will deny any receipt of my correspondence and continue to aggressively collect on a debt held by their offices. I am certain they have falsified their records. 



In the process of their aggressive collection efforts even after receiving my cease and desist requests with notification of bankruptcy intent ; they have exposed my private financial issues to several 3rd parties. The violently abusive actions from their collection representatives, threats towards me, along with credit reporting have put an agonizing amount of stress on me and ruined my XXXX  XXXX  XXXX. I refuse to be silent about their violent verbal abuse and illegal actions. I have also escalated a formal complaint including documentation to the Virginia State Attorney Generals office for investigation into the business dealings of Hunter Warfield Inc in my state. Regarding my concerns, I am requesting a further investigation into Hunter Warfield Inc including a full review of their business practices and detailed audit of other consumer complaints like mine against their company. They can not be allowed to continue operating beyond the scope of required business practices for a debt collection agency. After consulting with a legal advocate attorney who is handling other complaints against Hunter Warfield Inc, I intend to seek all options through class action or individual suit including any compensation available to me based on the array of evidence ; and their intimidation and blatant disregard for the protective laws in place by flat out refusing to abide by my cease and desist requests for no contact along with an additional refusal even after receiving notice of my intent to file bankruptcy. This notice of complaint to be filed with the CFPB and FTC as well as the Virginia State Attorney Generals office serves as notice of my grievances with this collection company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation