Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AZ

Complaint narrative:
I am disputing a rental debt of {$8000.00} placed in collections by Hunter Warfield, originating from XXXX XXXX ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. I verbally notified XXXX XXXX XXXX  that I was vacating the apartment and requested that the unit be listed for re-rental. That same day, I requested parking accommodations for my moving truck. I vacated the unit by XX/XX/XXXX, and drove cross-country to XXXX to recover at my mothers home. I followed up and later discovered XXXX did not list the unit until XX/XX/XXXX, which is a XXXX delay and a clear violation of XXXX XXXX XXXX  ( XXXX ) ( c ) the landlords duty to mitigate damages. They were about to move into foreclosure on my unit, unknown to me as I was in XXXX at this time. They did put it on the market and then they had re-leased the apartment in XX/XX/XXXX. I reached out to them first as I was curious to know what the final bill was. 

I suffered a XXXX XXXX XXXXXX/XX/XXXX and a car accident on XX/XX/XXXX, which left me XXXX XXXX I have disclosed this information to XXXX in email. XXXX stated in email I have XXXX payment options : XXXX, XXXX XXXX and XXXX check. During this time, XXXX revoked my access to their payment portal and information containing information on XXXX my only established forms of payment. The only remaining option they offered was to mail a cashiers check. This was unsafe, as XXXX has an history of cashing checks and not applying to account. XXXX of the XXXX methods were unavailable. Only method was cashier check, and given my condition at that time, I was unable to hand-deliver the check and I did not feel safe to mail such a check. My mother, who held power of attorney was ignore as well. 

On XX/XX/XXXX, I proactively reached out to resolve the matter and asked for a final bill. I received vague responses and no itemized breakdown until weeks later. Before I could resolve the matter, XXXX prematurely transferred the debt to collections. 

On XX/XX/XXXX, I called Hunter Warfield on a recorded call and was told that XXXX still owns the debt and XXXX can not negotiate or settle it. However, my credit report shows Hunter Warfield is reporting as the original creditor, which directly contradicts their own claim. This is false and misleading under the Fair Credit Reporting Act ( FCRA ) and possibly a violation of 15 U.S. Code 1692e ( false representation of legal status of the debt ). 

Additionally, I have evidence and screenshots proving : The unit was not re-listed in a timely manner XXXX has a known pattern ( per online reviews ) of failing to apply mailed payments or communicating final charges I was denied equal opportunity to resolve this during a medical hardship, possibly violating Fair Housing Act and XXXX XXXX XXXX I am requesting that CFPB require : Immediate removal of this debt from my credit report Cessation of all collection activity Full written documentation from both XXXX and Hunter Warfield Review of the creditor misrepresentation on my credit file ( I would request XXXX XXXX to provide any and all communication they have with me in regards to my unit. They never reached out to me via phone or email about my rental unit was late or about to be foreclosed.

Company response to consumer: Closed with non-monetary relief