Total CFPB complaints
6,702
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 6,702 complaints
HW Holding, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 52 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about HW Holding, Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
2,478 complaints
- False statements or representation
False statements or representation
1,104 complaints
- Written notification about debt
Written notification about debt
1,080 complaints
- Took or threatened to take negative or legal action 538
Took or threatened to take negative or legal action
538 complaints
- Communication tactics 229
Communication tactics
229 complaints
- Cont'd attempts collect debt not owed 210
Cont'd attempts collect debt not owed
210 complaints
D
Grade D · 54.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about HW Holding, Inc?
HW Holding, Inc has accumulated 6,702 total CFPB complaints across 52 states, with 1,663 filed in the most recent 12 months against 5,039 historical complaints before that window. The trailing-12-month volume represents 24.8% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 21% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 52 states, led by Texas with 1,100 and Florida with 896, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.6/100 places HW Holding, Inc in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1,663
24.8% of total history
Rising ↑
States active
52
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
21%
After company response
Reputation grade
D
54.6/100 composite
Response-quality profile
How HW Holding, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 42.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 92.9%
Share of US states + territories with at least one filed complaint against this collector.
How does HW Holding, Inc compare to its peers?
HW Holding, Inc National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed2,478 (%)
False statements or representation1,104 (%)
Written notification about debt1,080 (%)
Took or threatened to take negative or legal action538 (%)
Communication tactics229 (%)
Cont'd attempts collect debt not owed210 (%)
Disclosure verification of debt134 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 1,622 |
| False statements or representation | Attempted to collect wrong amount | 1,104 |
| Written notification about debt | Didn't receive enough information to verify debt | 728 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 538 |
| Attempts to collect debt not owed | Debt was result of identity theft | 533 |
| Written notification about debt | Didn't receive notice of right to dispute | 352 |
| Attempts to collect debt not owed | Debt was paid | 323 |
| Communication tactics | Frequent or repeated calls | 229 |
| Cont'd attempts collect debt not owed | Debt is not mine | 210 |
| Disclosure verification of debt | Not given enough info to verify debt | 134 |
Where do complaints against HW Holding, Inc come from?
The states where consumers have filed the most CFPB complaints against HW Holding, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against HW Holding, Inc
Across 52 states with at least one filing
- Texas
Texas
1,100 complaints
- Florida
Florida
896 complaints
- Georgia
Georgia
593 complaints
- California
California
455 complaints
- North Carolina 374
North Carolina
374 complaints
- Illinois 265
Illinois
265 complaints
- Maryland 222
Maryland
222 complaints
- South Carolina 188
South Carolina
188 complaints
Frequently Asked Questions
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 6,702 complaints filed with the CFPB.
Are complaints against HW Holding, Inc increasing or decreasing? ▼
Complaints against HW Holding, Inc are rising. The company received 1,663 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is HW Holding, Inc's reputation grade? ▼
HW Holding, Inc has a reputation grade of D (score: 54.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (1,100 complaints).
What can I do if HW Holding, Inc is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If HW Holding, Inc violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |