This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 7,296 complaints

HW Holding, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade D.

Complaints by issue type

What consumers report about HW Holding, Inc

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record hw-holding-inc HW Holding, Inc

Grade D · 7,296 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #24 · compose #320

  • VOL 7,296
  • GRADE D
  • 12MO 1,834
  • STATES 52
  • TIMELY 99%
  • DISPUTE 21%
  • ISSUE Attempts to collect debt n…
  • RANK #24
  • COMPOSE #320

Volume peers

Nearest volume peer: Spring Oaks Capital, LLC (7,289 complaints)

Spring Oaks Capital, LLCSpring Oaks Capital, LLC7,289HW Holding, Inc (this)HW Holding, Inc (this)7,296Bank of America, National AssociationBank of America, National As…7,681Convergent Resources, Inc.Convergent Resources, Inc.7,686National Credit Adjusters, LLCNational Credit Adjusters, L…7,765
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

HW Holding, Inc's 7,296 CFPB complaints sit next to Spring Oaks Capital, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 7,296 complaints break down

Every complaint issue type on record for HW Holding, Inc, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.0/100
HW Holding, Inc

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
7,296
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
21%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Texas is the plurality state for HW Holding, Inc (16.4%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Texas 16.4%
Mid-band (15–30%) · 52 states with ≥1 filing
Seasonal peak
2024-01 11.3%
8–15% band · 6 filings
Corpus ranks
#24 volume
#320 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does HW Holding, Inc compare to its peers?

How does HW Holding, Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
HW Holding, Inc National average
Complaints (last 12 mo)lower is better
1,834
4,064
268
Timely-response ratehigher is better
99%
100%
91%
Consumer-dispute ratelower is better
21%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy HW Holding, Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 94%96%98%100%102% 10%15%20%25% Timely response rate (%) Dispute rate (%) HW Holding, Inc vs. 7 similar-volume peers, by response speed and dispute rate HW Holding, IncBANK OF AMERICA, NATIONAL ASSOCIATIONConvergent Resources, Inc.National Credit Adjusters, LLCWELLS FARGO & COMPANYRadius Global Solutions LLCSouthwest Credit Systems, L.P.JPMORGAN CHASE & CO.
Source: CFPB Consumer Complaint Database

HW Holding, Inc's complaint volume in context

HW Holding, Inc vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

7,296 Top 1% higher than 100% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. HW Holding, Inc 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2023-12 2026-01

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
2,831
False statements or representation
1,272
Written notification about debt
1,195
Took or threatened to take negative or legal action
729
Communication tactics
468
Cont'd attempts collect debt not owed
328
Disclosure verification of debt
228
Threatened to contact someone or share information improperly
93
Electronic communications
86
Improper contact or sharing of info
50

Where do complaints against HW Holding, Inc come from?

HW Holding, Inc's own per-state count, not a national baseline.

Top states by complaints against HW Holding, Inc

Across 52 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for HW Holding, Inc: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 7,296.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.1047448522829%.

4 peers

Know your rights before responding to HW Holding, Inc: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.