Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MN

Complaint narrative:
First and foremost, I disputed the amount with the original company who sold the debt to Hunter Warfield which was my former property management company, XXXX XXXX XXXX XXXX. I sent the first communication in saying my mother and myself did not agree with the amount in XXXX which I got no response. I sent a follow up email XX/XX/year> which was only a few days before Hunter Warfield then contacted us with also no response from XXXX at all. I will attach the email document sent to them as it shows their initial email with the date and time, my mother and my response back to that saying we did not agree and to discuss the charges, and a follow up to that email regarding their obligation as the property management company I paid to live under ( never had a missed payment, never had a complaint, never caused any trouble, was not evicted either ) to communicate back to us as professionals at the least after they sent the amount owed letter on XX/XX/year> after moving out of the property on XX/XX/year>. They did not respond to either email and have never responded to any of the communications of me reaching out to them so I am not surprised but that was my first try at disputing the amount was with the original company, XXXX XXXX and I have attached that email to the documents. I kept waiting for them to respond but as usual, they never did and instead apparently sent the amount to a debt collector called Hunter Warfield out of Florida. The first communication with XXXX was sent to me via email which ended up in my spam folder of my email and also caused a major phishing attack on my whole computer to the point I had to buy a totally new computer. That initial email sent by XXXX was on XX/XX/year> yet every bureau has said they reported it XX/XX/year> which is simply a lie. In the initial letter, there are three paragraphs under the sections " How can you dispute the debt? ", and " What else can you do? ". Both of these sections have multiple bullet points that state in bold print a deadline to dispute the debt with them of XX/XX/year>. The first one says " Call or write to us by XX/XX/year> to dispute all or part of the debt '', the second says " If you write to us by XX/XX/year> '', and the third in the What else can you do section says " If you write to us by XX/XX/year>, we must stop collection until we send you that information ''. Being I have never been in such a situation, I followed the bolded triple printed date of XX/XX/year> as the deadline to write to them to dispute the debt even though I had already disputed the original debt with the original company my former landlord, XXXX XXXX and received no communication back on it at all. With this date, I did write them a debt validation notice that was sent via certified XXXX mail on XX/XX/year> which I have included the certified mail slips and receipt for your reference. I have also included the debt validation letter that was sent as well in the documents. I waited for a response back after eventually a month or two later receiving the piece of certified mail showing it had successfully been delivered to them. I never received any email or mail or anything at all with any validation documents and I also had asked in my letter that they do not contact me by email again ( since it fell to my spam folder, I didn't want to miss more mail from them ) which they blatantly ignored. Now whether the 30 day mark started from XX/XX/year> which would have then been 30 days later at XX/XX/year>, they have the start/open date of XX/XX/year> on every credit report they have now been on for myself whenever I generate one and this is not the correct date as I was not notified by any means other than, that initial spam email which I have attached here also for your review. They then continued for months to email me two more letters through email ( nothing through the USPS mail as I had said to only contact me by after the email ) with offer letters that were absurd discounts for one and also, I had disputed the debt now twice! Once with the original debtor ( XXXX XXXX, XXXX ) and second with my debt validation letter to Hunter Warfield on XX/XX/year>. If XX/XX/year> was not a legal date for me to still be able to dispute this collection, then Hunter Warfield used deceptive practices with their initial letter and the bolded three time printed date of XX/XX/year> that says I can dispute this with them up to that date. They ignored my request of only contacting me from there on via paper and the United States Postal Service only with XXXX more emails sent to me in XXXX as well as XXXX which I did not answer either of those. I received so many robocalls I can not count after receiving the first email from them which I am to believe were some of the many phone numbers they deceptively use to call consumers. They should not have been calling me at all as I had stated in my letter to only contact me via mail and the United States Postal Service. I still after the XXXX other emailed notices, never received any kind of validation at all from Hunter Warfield regarding the debt under my name. About two weeks ago, I found out through my mother whom, I have not lived with my parents for over 15 years nor do we speak or have a relationship, they had been calling my parents house to see if I was there. This is again, illegal in the sense they can not be calling my family to talk about my debt on top of, they were still disregarding my statement which they did receive via certified mail to only contact me using paper mail and the United States Postal Service. They have since called me many more times and continue to disregard my debt validation letter or sending any sort of validity documentation of the debt to me. Now the debt has been put to my credit which is also illegal as this debt was disputed twice with the original debtor and then the debt collector, Hunter Warfield and it also is on all credit reports with a date of XX/XX/year> and I was initially contacted via email on XX/XX/year> just as their letter is dated. I demand them to be reprimanded in some fashion and this collection should be removed from all three bureaus and my credit report as I have disputed it long ago with my former landlord first ( see attached email ) as well as in my debt validation letter sent to them also stating I was disputing the debt and already had with XXXX XXXX. I demand that they take accountability for their actions and the housing collection from Hunter Warfield in total of {$670.00} be removed immediately from my credit report and all bureaus on the basis of deceptive practices, ignoring my demand of only contacting my by paper USPS mail. not sending any validation once sent the validation letter from myself via certified mail. putting the incorrect start date on all credit reports of XX/XX/year> instead of XX/XX/year>, contacting my family I do not have a relationship with asking about my whereabouts and the debt, as well as falsifying the document that was sent XX/XX/year> reading I could dispute the debt in total to stop collections if done so by XX/XX/year> which I did do. Please see all attachments. The basis around the amount owed is also not legal as I was moved and out of my apartment on XX/XX/year> while being granted a reasonable accommodation for move out by XXXX XXXX and XXXX XXXX due to a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as we were the ones moving my things from the top third floor with no elevator down to the ground level alone and my mother is also XXXX. I was at my neighbors apartment below mine on the morning of XX/XX/year> as she became my best friend and was going to store some of my items for me. XXXX had people moving in that day to my old apartment as they had told me and later was confirmed to me by neighbors in the building once they had threatened me and made me throw away half of my house belongings by threatening me with trespassing and the police even though I was never served a trespassing order by a sheriff which is what legally would have had to be done as well as I was just told by them they were not renewing my lease and that was it. They used my XXXX of mental illness as well as XXXX XXXX and my mothers XXXX XXXX  as their backing to display such unprofessional, discriminatory, and illegal property management and housing practices to scare us out. I have worked in property management twice in my life and the things they did the whole lease but in this pertaining to the end of the lease, all extremely illegal around the issues of discrimination, intimidation, uninhabitable living space, threats, and much more.

Company response to consumer: Closed with non-monetary relief