ComplaintsforHuntington Debt Holding LLC

• Initial Complaint

  09/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I received several calls from this company starting on 9/10, where a representative called me 3-4 times attempting to negotiate a payment on a debt. During the calls and voicemail, the representative mentioned a pending judgment from their legal department. When I asked for documentation or a copy of the notice, as I had never received it, I was told they could only send me a payment arrangement and refused to provide any further documentation. When I tried to verify the debt, the representative became pushy and even suggested they would garnish my wages if I didn’t pay immediately, stating that verifying the debt is just a way people try to get out of paying. I felt rushed and uncomfortable, especially since this was all happening during work hours. I called back during my lunch break to ask for clarification and proper documentation, but the representative again refused and said they would mark it as a refusal to pay. Despite my efforts to ask for documentation and clarity, they sent me a payment agreement via DocuSign, but I didn’t feel comfortable signing it without first receiving proof of the debt. I then emailed them, requesting all future communication be in writing and asking for proper documentation. Then 9/17, I received a call from a different representative, who stated they do not handle communication through email or text, further adding to my confusion. I believe this company is using intimidation tactics and not honoring the legal requirements under the Fair Debt Collection Practices Act (FDCPA), including providing proper verification of the debt. I feel pressured and threatened, and their refusal to provide documentation makes me question the legitimacy of the debt they are trying to collect. I am seeking proper documentation and a resolution that adheres to the law, but I am being met with unprofessional and potentially unlawful behavior. I would like the debt verified and all communication via writing per address on file

  

  Business response

  09/20/2024

  This will acknowledge receipt of complaint ID ******** submitted by **** *******. Huntington Debt Holding, LLC is a passive debt buyer that purchases charged off accounts and outsources them for collections. HDH does not engage in credit reporting. Huntington Debt Holding outsourced the account to ********** ********* ********, Huntington Beach, CA for collections. HDH's review of the account determined that the account handling was troubling. HDH does not condone this behavior and has addressed it. Validation of the account is attached, as per the consumer's request. The account is in cease and desist status. 

  Customer response

  09/24/2024

  Better Business Bureau: Thank you for the update regarding my complaint, ID ********, and for providing the validation of the account as requested. I acknowledge the review by Huntington Debt Holding, LLC and appreciate that the company has addressed the troubling account handling.At this time, I am reviewing the documentation provided to determine the legitimacy of the debt. Additionally, I appreciate that the account is in cease and desist status, as this was a primary concern in my initial complaint.I will continue to evaluate my next steps and appreciate the efforts made to resolve the issues raised. Regards, **** *******

• Initial Complaint

  07/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing in response to correspondence I received claiming that I owe a balance of $2,025.00 on 07/29/2024 to ********. I firmly dispute this debt as it is based on false information. The lease from ******** incorrectly states that a couch was never returned. This is false. The couch in question was, in fact, refunded on January 12, 2022 | 08:35 PM EST. Furthermore, all other items listed in the lease have been paid off in full. Given these facts, I do not owe any outstanding balance to ********. I hereby formally dispute this alleged debt and demand that: This false information be immediately removed from my account. No negative information be reported to any credit bureaus regarding this matter. All collection efforts cease immediately. As per my rights under the Fair Debt Collection Practices Act, I request NO FURTHER CONTACT REGARDING THIS MATTER. Any future communication, except to notify me that collection efforts have ceased or that legal action will be taken, is a violation of the FDCPA.

  

  Business response

  08/21/2024

  Huntington Debt Holding is in receipt of complaint ******* filed by ******** *****. HDH reviewed the complaint and reached out to the seller and were able to resolve the dispute. I am attaching a copy of a waiver of debt for the consumer. The account is closed and we will consider the matter closed, as well. .

• Initial Complaint

  07/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The account number listed on the credit report is ********. As of July 4, 2024, the date that is stated on the credit report says the account was opened was 02-19-2021, and the date it was updated was 03-31-2023. I have no idea as to who this agency is since I do not have a contract with Huntington Debt Holdings, nor have I ever heard of them. A contract was not presented to me prior to today, even when asked. They have provided erroneous information and have infringed upon my identity as well.

  

  Business response

  07/12/2024

  Our company is in receipt of, and has reviewed, the complaint submitted by ******** ******** and forwarded to our company on July 8, 2024. Huntington Debt Holding, LLC (HDH) is a passive debt buyer that purchases charged off consumer accounts and places them for collection. HDH does not engage in credit reporting activities.HDH purchased Ms. ********'s account from Check N Go, and therefore her contract, on or about August 8, 2022. This is the first request for validation HDH has received from the consumer. Accordingly, I have attached the contract (signed by the consumer) and payment history (which shows the balance as on the credit report.) Of note, HDH is not the reporting company on the debt, it is the original creditor- Check N Go. As HDH has investigated the dispute, and completed our due diligence in validating the account in it's entirety we consider the matter closed. It remains an open collection item. If Ms. ******** would like to discuss the matter, I can be reached at ###-###-#### M-TH 8 am to 5 pm and Friday 8 am to 3 pm. Thanks for allowing us to respond.Sincerely, Dennis N D******** CCO/CRCP

• Initial Complaint

  03/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I'm not liable for this debt with charter communications, I do not have a contract with Huntington Debt Holding LLC they did not provide me with the original contract as I requested.

  

  Business response

  03/18/2024

  Huntington Debt Holding, LLC (HDH) is in receipt of complaint #******** forwarded to your office on March 14, 2024. HDH is a passive debt buyer that purchases charged off receivables. HDH does does not engage in credit reporting. The consumer is correct in that he does not have a 'contract' with HDH. His account was purchased from *** *********  on or about January 7, 2022 and all rights assigned to HDH.at that time. The account is currently being serviced by *********** ********* and all information has been sent to them.

  Customer response

  03/19/2024

  Better Business Bureau:
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  Regards,
  ****** ******
  
  
  
  
  

• Initial Complaint

  02/21/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  rom: ******* ***** *** * **** *** ************ ***** ******* ********** Re: Dispute of Debt and Request for Validation Information I am writing to dispute the debt you are attempting to collect from me in the amount of 10,000. I have reviewed the information you have provided and I am contesting the validity of this debt for the following reasons: 1. Failure to Provide Validation Information: Under the Fair Debt Collection Practices Act (FDCPA), specifically 12 CFR 1006.23(b)(5), you are required to provide me with written validation information within five days of my initial request. This information must include the amount of the debt, the name of the original creditor, the date the debt was incurred, and a statement of whether you are attempting to collect interest. I have not received any such validation information. Therefore, I demand that you immediately provide me with the complete and accurate validation information required by law. 2. Uploading of Incorrect Documents: Furthermore, I am deeply concerned about the documents you have uploaded to my account. I have reviewed these documents and they do not pertain to any debt that I owe. This action violates 15 U.S.C. § 1681-i(7) of the FDCPA, which prohibits debt collectors from using unfair or deceptive practices. I demand that you immediately remove these incorrect documents from my account and refrain from using any such tactics in the future. If I do not receive the requested validation information and confirmation of the removal of the incorrect documents within 30 days from the date of this letter, I will be forced to file a complaint with the Federal Trade Commission (FTC) The Attorney General and with the i will also pursue any other legal remedies available to me. Please be advised that I am retaining copies of all relevant documentation for future reference

  

  Business response

  02/22/2024

  Huntington Debt Holding LLC (HDH) is in receipt of and has reviewed this complaint. The account was purchased on or about December 1, 2023. Please note: this is a commercial account and the FDCPA does not apply, although HDH has performed  compliantly and lawfully. The first notification of validation was the CFPB complaint filed 02/20/2024 and responded to 02/22/2024 a copy of which is attached. The information provided to the consumer, per his request, is valid and legitimate. The consumer took out a commercial loan for his company -******** **** ******* *LC. and signed a personal guaranty. The contract, guaranty and monthly statements are neither deceptive or misleading , copies of all are attached). HDH does not engage in credit reporting and has notified the seller of the 'dispute.' HDH has provided the consumer with fair and accurate information and has performed lawfully and compliantly. Based on there above and attached, we will consider the matter closed. Please note: while the account is shelved at this time, it remains an open collection item.

  Customer response

  02/22/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [To assist us in bringing this matter to a close, we would like to know your view on the matter.]
  
  Regards,
  
  ******* *****
  
  I have never opened an account with Huntington debt Holdings (if known) or any other entity associated with this account number.
  
  I have previously requested verifiable documentation to support this debt, as is my right under the Fair Debt Collection Practices Act (FDCPA). However, the documents you provided on CFPB complaint website do not contain any identifying information linking me to this account, such as my name, address, Social Security number, date of birth or anything that verify that the account belong to me. 
  
  Therefore, I formally dispute the validity of this debt and demand its immediate removal from my credit reports. I have retained copies of the documents you sent to CFPB for my records and i have submit them as evidence proving the account do not belong to me.
  
  Furthermore, I request that you cease all collection efforts related to this account and confirm this in writing within 30 days of receipt of this letter. Please be advised that further attempts to collect on this debt, or any inaccurate reporting to credit bureaus, may constitute violations of the FDCPA and could result in legal action.
  
  Thank you for your prompt attention to this matter.
  

  

  Business response

  02/29/2024

  As stated in the previous email this account is a commercial account and the FDCPA does not apply. HDH has provided the consumer with the loan that was made through and for the consumer's business. The address that is used on the application corresponds with the consumer's business address. The consumer has been provided with the monthly transactions, contract and credit application. We have fulfilled the required investigation and validated the debt. As stated previously, HDH does not credit report. ******* ** **p has been notified and has provided the required the validation. We will be closing this complaint at this time.

• Initial Complaint

  01/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Acct Name: *** **** ************/ Date Opened:6/28/2023 Acct# ******XXX Please DELETE the fraud Account from my credit Report does not relate to any transactions that I have made. The credit bureaus keep disrespecting the law . I have showed them multiple times how they are violating the FAIR CREDIT REPORTING ACT . According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus don’t have no written permission According to 15 USC 1681 have the right to privacy According to 15 USC 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this.

  

  Business response

  01/16/2024

  Our company is in receipt of and has reviewed, the complaint submitted by ***** ******** and forwarded to our company on January 11, 2024. Huntington Debt Holding, LLC (HDH) is a passive debt buyer that purchases defaulted consumer accounts. HDH does not engage in credit reporting activities with respect to the accounts that are purchased. The consumer has a ******* ** *** account that was purchased on or about September 27,2023. This is the first notification of a "complaint' we have had from the consumer regarding fraud (please note the consumer filed the FTC report on 01/11/2024, which coincides with the BBB filing.) HDH has closed the account which has been placed in a verified fraud status. Again, HDH has not credit reported the consumer's account. If the consumer's account was credit reported it would have been by the original creditor, ******* ** ***. While HDH will report the fraud back to the seller, HDH does not engage in any type of credit reporting and has no control over ******* ** *** and their credit reporting activities. All collection activities engaged in by our company were done in full compliance with all collection laws. We have cease and desisted with any further collection activities with respect to this. HDH has requested and attached the supporting documentation to validate the account. Based on the above, we will consider the matter closed.

• Initial Complaint

  10/26/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company has been harassing me through a third party for a debt that I have asked for proof of for multiple years. SRS has contacted me nearly daily for this entire time and can't confirm anything on the debt. They have taken my money on false pretenses and uses your name as the owner of the debt. I'm at a loss. Harassment and fraud are surely only a small part of their business.

  

  Business response

  11/01/2023

  Our company is in receipt of, and has reviewed, the complaint submitted by ***** ****** and forwarded to our company on October 26, 2023. Huntington Debt Holding is a debt buyer, that purchase defaulted consumer accounts and forwards them to third party collection agencies for handling.

  A thorough investigation ensued and it is the position of our company that the limited collection activities by the agency were done in a lawful and compliant manner. Additionally, this is the first request for validation by the consumer. As Mr. ****** is requesting the underlying documents, a copy of the same is attached and has been emailed to the consumer at ************@GMAIL.COM. The documents and the letter are attac

  The consumer has requested a refund as relief, but the consumer has not made any valid payments to Huntington Debt Holding, LLC or the agency.

  It is our position that the complaint is unfounded and that all activities were conducted lawfully and compliantly.

• Initial Complaint

  05/26/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with *********. I do not have a contract with Huntington Debt Holdings LLC. They did not provide me with the original contract as requested.

  

  Business response

  06/05/2023

  This will acknowledge and thank you for the opportunity to respond. The Consumer's account was purchased by Huntington Debt Holding LLC on or about 04/18/2023. There is no record of any form of communication from the consumer requesting documentation. This is the first and only request. I have attached a payment history showing the consumer's payments, as well as a contract. If the consumer does not feel that they 'are not liable for the debt,' they should file a fraud police report, or go to the FTC fraud site - https://***********.***.gov/#/assistant. Additionally, Huntington Debt Holding LLC does not credit report and has not done so in this case. The consumer will need to file the fraud paperwork and supply it to the original creditor and/or the credit reporting agency that the tradeline is on. HDH has no control over the tradeline reported by ****** or ***. 

• Initial Complaint

  04/04/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a text message from ******* **** ********** that I needed to contact them immediately about a legal matter. I spoke to someone on the phone and they said I was being sued by they like to give people the opportunity to resolve the debt - it's about $100.00. He sent me a letter in email, after I told him I haven't received anything from his off. The letter says Huntington Debt Holdings, LLC is the current creditor. I told him I wanted to have an attorney look over this because I am positive I already resolved this debt and he hung up on me. The threatening tone of these communications has been very scared.

  

  Business response

  04/17/2023

  This will acknowledge receipt of this matter and thank you for the opportunity to respond. I spoke with Ms. ****** on April 5, 2023 and had an extensive discussion regarding her dissatisfaction with the agency that the account was referred to. I reviewed the matter and any issues with the agency were addressed. I relayed this information to Ms. ****** and the matter was resolved to her satisfaction. We apologize for any inconvenience and now consider the matter closed.

• Initial Complaint

  06/23/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a call from Ashley who insisted I owed a debt to a company called xact back in 9/21 I told her the account was fraudulent and I had disputed it numerous times she insisted that I was a liar, that no one could open an installment loan without my information. I asked for a debt validation letter. She sent an email with 2 attachments I could not view. I reviewed the information I could open which listed the address incorrectly and no banking information to where the money was supposedly deposited my name was typed in for a signature. The email came from ****** capital management but the debt collector is listed as Huntington holdings, LLC. No contact information listed for the original creditor except the name xact which the debt on my credit report is ******** for the same debt! I replied to this email listing the inaccuracies and disputed as fraud. I received a spam call today with a voicemail from a woman claiming to be searching for a location for my name with a contact number and extension for Ashley. I call back and spoke to her she sends me up the chain telling me the fraud claim wouldn’t be processed and I could settle the debt for $1k today for a pay for delete as I am trying to purchase a home. I get transferred to another woman who tells me that they are not able to complete a pay for deletion and they do not report to the credit bureaus. I asked to speak with her supervisor Dennis tells me that Huntington owns the debt but cannot give me a pay for delete without getting permission from the original creditor who they purchased the debt from. He told me I could dispute it with the FTC fraud department and apologized for the “misspoken” agreement of both his co workers. He was supposed to send me an email after he spoke with this so called xact never heard from him again. I told him I have multiple documents of proof that the account was opened fraudulently including letters from the bank they sent it to. I want it deleted off my report asap!

  

  Business response

  07/01/2022

  Thanks for the opportunity to respond! Huntington Debt Holding, LLC  aims for the highest customer service standards and continues to do so in this matter. Ms. ****** is claiming fraud and was provided with a copy of the online contract. At the same time she is offering to pay the account for a deletion of the tradeline on her credit report. As has been explained a number of times, the tradeline is being reported by the seller and neither ACM or HDH have the authorization or ability to delete the tradeline. I await an answer from the seller for the Consumer's request, but, as explained a number of times, Ms. ****** should go to the FTC website or obtain a police report from her local precinct and file her documentation with the credit bureaus. The credit bureaus will note the account as fraud and, in many cases, will remove the tradeline. Unfortunately Huntington Debt Holding is unable to meet the consumer's demand for deletion and awaits the seller response. In the interim, the consumer should file with the FTC. As a courtesy, I have attached the link to the FTC, once again- https://reportfraud.ftc.gov/#/

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩