What is the most common complaint against HW Holding, Inc?

The most common issue consumers report about HW Holding, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 7,296 complaints filed with the CFPB.

Are complaints against HW Holding, Inc increasing or decreasing?

Complaints against HW Holding, Inc have been stable. The company received 1,834 complaints in the last 12 months.

What is HW Holding, Inc's reputation grade?

HW Holding, Inc has a reputation grade of D (score: 52.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does HW Holding, Inc respond to consumer complaints?

HW Holding, Inc has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 21% of cases.

In how many states does HW Holding, Inc operate?

HW Holding, Inc has received CFPB complaints from consumers in 52 states, with the most complaints from Texas (1,196 complaints).

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

HW Holding, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade D.

Compiled by PlainCollector

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

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 #3871

VOL 7,296
GRADE D
12MO 1,834
STATES 52
TIMELY 99%
DISPUTE 21%
ISSUE Attempts to collect debt n…
RANK #24
COMPOSE #3,871

Volume peers

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

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 →

Filing geometry

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

Volume rank #24 and composite rank #3,871 diverge by 3,847 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #24 volume; #3,871 composite; Cleanest-composite ladder is 3,847 places worse than volume

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%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

1,196
Florida

966
Georgia

646
California

477
North Carolina

416
Illinois

284
Maryland

242
South Carolina

207

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.